2009 Volkswagen New Beetle Car Insurance Rates – 9 Savings Tips

Want better insurance rates? Drivers have many options when trying to find low-cost Volkswagen New Beetle insurance. They can either waste time calling around to compare prices or utilize the internet to find the lowest rates. There are more efficient ways to buy insurance and you need to know the proper way to get price quotes for your Volkswagen and obtain the best price possible from both online companies and local agents.

Smart consumers take time to compare prices periodically because insurance rates are usually higher with each renewal. Just because you found the best deal for New Beetle insurance a year ago you can probably find a better price now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the easiest way to buy cheaper insurance.

If you have a policy now or need new coverage, you can follow these tips to reduce the price you pay and possibly find even better coverage. The purpose of this article is to instruct you on how to effectively get price quotes and some tricks to saving. Vehicle owners only need to know the tricks to find the lowest price over the internet.

Discounts can really help lower premiums

Companies do not list every discount they offer very clearly, so we took the time to find both well-publicized as well as some of the hidden credits available to you.

• Seat Belt Discounts – Forcing all vehicle occupants to buckle their seat belts could save 15% on the premium charged for medical payments and/or PIP.
• Anti-lock Brakes – Cars and trucks with ABS and/or traction control can avoid accidents and therefore earn up to a 10% discount.
• Homeowners Savings – Simply owning a home can save a few bucks because of the fact that having a home is proof of financial responsibility.
• Drivers Education – Teen drivers should participate in a local driver’s education class in school or through a local driver safety program.
• Discount for Good Grades – Getting good grades may save as much as 25% on a car insurance quote. Earning this discount can benefit you well after school through age 25.
• Multi-policy Discount – If you have multiple policies with one insurance company they may give you a discount of nearly 15% which can help you find low cost car insurance.
• 55 and Retired – Mature drivers may be able to get a discount up to 10% for New Beetle insurance.
• Claim Free – Good drivers with no accidents pay much less when compared with drivers with a long claim history.
• Professional Memberships – Affiliation with a civic or occupational organization may earn a discount on your bill.

Don’t be shocked that most credits do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, insurance coverage companies aren’t that generous.

To see companies that offer the discounts shown above, click here.

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Will just any policy work for me?

When it comes to buying adequate coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is unique.

These are some specific questions may help highlight if you will benefit from professional help.

• Will my vehicle be repaired with OEM or aftermarket parts?
• How many claims can I have before being cancelled?
• Do I have coverage when using my vehicle for my home business?
• Is my ex-spouse still covered by my policy?
• Who is covered by my policy?
• What is UM/UIM insurance?
• Do I need rental car coverage?
• When do I need to add a new car to my policy?
• Is motorclub coverage worth it?
• Does my insurance cover a custom paint job?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Smaller companies may have the best rates

Consumers can’t escape the ads for auto insurance savings from the likes of Progressive, Allstate and Geico. They all say the same thing that drivers will save a bundle if you get a free car insurance quote and switch to them.

How does each company charge you less for car insurance? It’s all in how they say it.

Insurance companies have an ideal profile for the right customer that will not have excessive claims. For instance, a profitable risk profile may be a female over age 40, has a clean driving record, and does not commute to work. Anyone who fits that profile will most likely get cheap rates and as a result will probably save a lot if they switch.

Potential insureds who don’t measure up to this ideal profile will be quoted higher premiums which leads to the driver buying from a lower-cost company. The ads state “people that switch” but not “all drivers who get quotes” save money. That’s why insurance companies can confidently advertise the way they do. Because of this risk profiling, you need to get car insurance quotes as often as possible. You cannot predict which auto insurance company will provide the lowest car insurance rates.

Auto insurance policy specifics

Knowing the specifics of your policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as rehabilitation expenses, hospital visits, nursing services and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from flooding, hitting a deer, hail damage and damage from a tornado or hurricane. The most your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision protection

Collision insurance pays for 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 insurance covers things such as crashing into a building, colliding with another moving vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Liability coverages

Liability coverage can cover damages or injuries you inflict on a person or their property. This coverage protects you from legal claims by others. It does not 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 liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like medical services, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2009 Volkswagen New Beetle.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

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And the best car insurance company is…

People leave their current company for a variety of reasons including not issuing a premium refund, high rates after DUI convictions, extreme rates for teen drivers and even high prices. Regardless of your reason for switching companies, finding a new company can be less work than you think.

In this article, we covered many ways to compare 2009 Volkswagen New Beetle insurance premium rates online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Consumers may even find the lowest premium rates are with an unexpected company.

While you’re price shopping online, you should never reduce needed coverages to save money. There are a lot of situations where an insured cut liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

For more information, take a look at the following helpful articles:

• Vehicle Insurance (Wikipedia)
• Get the Right Protection (InsureUonline.org)
• Speed and Speed Limit FAQ (iihs.org)
• Collision Insurance Coverage (Nationwide)

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