Lower Your 2004 Volkswagen New Beetle Insurance Cost

Buying budget insurance may seem to be intimidating for vehicle owners that are relatively new to comparing rates and buying insurance over the internet. With such a large number of insurers available, how are we expected to be able to compare every company in order to find cheaper insurance prices?

The purpose of this post is to teach you how to get online quotes and some tricks to saving. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these tips. But drivers do need to learn how insurance companies determine prices because it can help you find the best coverage.

How to find low cost insurance

All the larger insurance companies give price estimates from their websites. Getting prices online doesn’t take much effort as you simply type in the amount of coverage you want into the quote form. After you complete the form, their system obtains information on your driving record and credit history and generates a price.

This makes it a lot easier to compare rates but the time it takes to visit each company’s website and repetitively complete many quote forms is monotonous and tiresome. But it is imperative to get many rate quotes if you are searching for a better rate.

The preferred way to compare insurance pricing uses just one form that analyzes rates from several companies at one time. This type of form saves time, helps eliminate reptitive entry, and makes price shopping online much more efficient. Once the form is submitted, it gets priced and you can choose any or none of the quotes returned.

If a lower price is quoted, you can click and sign and buy the new coverage. This process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To save time and compare rates now, click here and fill out the form. If you have a policy now, it’s recommended you duplicate the coverage information identical to your current policy. Using the same limits helps guarantee you are getting comparison quotes for similar coverage.

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Cheap auto insurance rates with discounts

Insuring your fleet can be pricey, but there could be significant discounts to help offset the cost. Many discounts should be triggered when you complete an application, but a few must be manually applied in order for you to get them.

• Theft Prevention Discount – Cars and trucks with anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
• Bundled Policy Discount – When you combine your home and auto insurance and insure them with the same company you may earn approximately 10% to 15%.
• Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts up to 30%.
• Early Switch Discount – Some insurance companies provide a discount for signing up before your current coverage expires. Ten percent is about the average savings.
• Discounts for Safe Drivers – Safe drivers may save up to 50% more for New Beetle coverage as compared to drivers with claims.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire policy premium. The majority will only reduce specific coverage prices like collision or personal injury protection. So even though you would think you can get free auto insurance, it’s just not the way it works.

To view auto insurance companies that provide some of the discounts listed above, click here.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions might point out whether you could use an agent’s help.

• How high should my medical payments coverage be?
• Should I buy additional glass protection?
• Do I need added coverage for expensive stereo equipment?
• When should I remove comp and collision on my 2004 Volkswagen New Beetle?
• What is the ISO rating for a 2004 Volkswagen New Beetle?
• How many claims can I have before being cancelled?
• Do I need PIP (personal injury protection) coverage in my state?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Insurance premium influencing factors

When buying car insurance it’s important to understand the different types of things that aid in calculating your policy premiums. When consumers understand what determines base rates, this enables informed choices that may result in lower premium levels. Lots of things are used when quoting car insurance. Some are obvious such as traffic violations, but others are more obscure such as your marital status and annual miles driven.

Shown below are some of the most rate-impacting factors used by companies to determine your prices.

• Commute or pleasure use – Driving a lot of miles in a year’s time the more you’ll pay to insure your vehicle. Many insurance companies price each vehicle’s coverage based upon how you use the vehicle. Cars that are left in the garage cost less to insure than vehicles that are driven to work every day. Incorrect rating for your New Beetle can cost quite a bit. Double check that your declarations sheet correctly shows annual mileage, because it can save money.
• Your car’s features help determine premiums – Owning a car with an alarm system can help lower your premiums. Theft deterrent systems like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop auto theft and help lower rates.
• Premiums may be higher where you live – Choosing to live in less populated areas has definite advantages when talking about car insurance. City drivers tend to have traffic congestion and higher rates of accident claims. Fewer drivers on the road corresponds to lower accident rates and also fewer theft and vandalism claims.
• Having a spouse reduces risk – Your spouse can get you a discount compared to being single. Marriage may mean you are more mature and responsible it has been statistically shown that drivers who are married file infrequent claims.
• Prices can be impacted by your vocation – Did you know your car insurance rates can be affected by your occupation? Occupations such as military personnel, architects and miners tend to have the highest average rates because of job stress and lots of time spent at work. On the other hand, occupations such as actors, students and the unemployed get better rates for New Beetle coverage.
• Lower rates for safer cars – Safer cars are cheaper to insure. Highly rated vehicles protect occupants better and reduced instances of injuries means lower claim amounts which can mean better rates for you. If your Volkswagen has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
• Higher deductibles save money – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Examples of covered claims are collision with another vehicle, hitting a deer, and damage caused by flying debris. Deductibles for physical damage define the amount the insured will be required to pay if a claim is determined to be covered. The more expense you choose to pay out-of-pocket, the less your car insurance will be for New Beetle coverage.
• Don’t skimp on liability coverage – A critical coverage on your policy, liability insurance is the protection in the event that a court rules you are at fault for an accident. It will provide you with a defense in court which can be incredibly expensive. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.

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Insurance coverages 101

Having a good grasp of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage

Collision insurance pays for damage to your New Beetle resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, hitting a parking meter, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability insurance

This will cover damage or injury you incur to other people or property in an accident. This insurance protects YOU against claims from other people. 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 policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as bail bonds, legal defense fees and court costs. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Comprehensive insurance

Comprehensive insurance 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 coverage pays for things such as hitting a bird, damage from a tornado or hurricane, theft and falling objects. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2004 Volkswagen New Beetle.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like doctor visits, surgery, funeral costs, dental work and hospital visits. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Best coverage at the best price

When trying to cut insurance costs, do not buy poor coverage just to save money. There are a lot of situations where drivers have reduced liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

Lower-priced car insurance is possible both online and from local insurance agents, and you need to price shop both to have the best selection. There are still a few companies who don’t offer price quotes online and usually these regional carriers work with local independent agencies.

We just covered a lot of tips how to lower your 2004 Volkswagen New Beetle insurance prices. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the most savings is with a smaller regional carrier.

Additional detailed information is available in the articles below:

• Side Impact Crash Tests (iihs.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)
• Uninsured Motorist Statistics (Insurance Information Insitute)

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