Save on 2000 Volkswagen New Beetle Insurance Quotes

Are you at wits end from sacrificing to buy auto insurance? You have the same problem as many other consumers. Consumers have multiple auto insurance companies to choose from, and though it is a good thing to have a selection, more options can take longer to get the best deal.

How to lower your car insurance cost

There are several ways to compare car insurance prices but there is one way that is less time-consuming than others. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you could use online quotes to quickly compare rates.

Many companies take part in a program where insurance shoppers submit their information once, and each company provides a quote based on the submitted data. This saves time by eliminating quote forms for each company.

To find out what other companies charge click here to start a free quote.

One minor caviat to comparing rates this way is you don’t know exactly which companies you want pricing from. So if you want to select individual companies to compare prices, we put together a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Whichever method you choose, be certain you are entering equivalent quote information for every quote you compare. If the quotes have mixed coverages it’s not possible to find the best deal for your Volkswagen New Beetle.

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The Volkswagen New Beetle insurance cost equation

Smart consumers have a good feel for the different types of things that are used to determine insurance coverage rates. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that may result in lower premium levels.

• Additional coverages that may be costing you – There are a lot of additional extra coverages that sound like a good idea at the time if you aren’t careful. Insurance for roadside assistance, better glass coverage, and extra life insurance coverage may not be needed and are just wasting money. They may seem good initially, but your needs may have changed so eliminate them to save money.
• Drive less and save – The higher the mileage driven annually the higher your rates will be. Most insurance companies charge rates determined by how the vehicle is used. Vehicles left parked in the garage can be on a lower rate level than those used for commuting. It’s a smart idea to ensure your insurance coverage policy reflects the proper vehicle usage. Improper usage on your New Beetle may be wasting your money.
• Men tend to take more risk – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. Females and males are in accidents in similar percentages, but the males cause more damage. In addition to higher claims, males also receive more costly citations like reckless driving and DUI. Young men ages 16 to 20 cause the most accidents and therefore pay the highest rates.
• Pay more out-of-pocket – Physical damage protection, also called comprehensive and collision insurance, is used to repair damage to your Volkswagen. Examples of some claims that would be covered are collision with another vehicle, damage caused by hail, and damage from a fallen tree branch. Deductibles for physical damage define how much you are willing to pay before a claim is paid by your company. The more damage repair cost you are required to pay out-of-pocket, the lower your rates will be on New Beetle insurance.
• Your credit rating is important – Your credit history will be a significant factor in your rate calculation. People that have very high credit ratings tend to be better risks to insure than drivers who have lower credit scores. So if your credit history leaves room for improvement, you could save money insuring your 2000 Volkswagen New Beetle by improving your credit score.
• Your stress level may be raising your rates – Do you work in a high-stress field? Occupations such as military generals, social workers and medical professionals usually pay higher average rates because of high stress and lots of time spent at work. Conversely, jobs such as farmers, historians and the unemployed get better rates on New Beetle insurance.
• Getting married can save you money – Being married may save some money compared to being single. Marriage means you’re more mature and responsible and insurance companies reward insureds because drivers who are married are more cautious.
• Where you call home factors in – Living in less populated areas is a positive aspect if you are looking for the lowest rates. Drivers in populated areas have to deal with more aggressive driving styles and much longer commute distances. Less people translates into fewer accident claims in addition to lower liability claims

Insurance policy discounts

Companies that sell car insurance do not list all possible discounts very clearly, so the list below gives a summary of some of the more common and the harder-to-find insurance savings.

• Payment Method – If you can afford to pay the entire bill instead of monthly or quarterly installments you can avoid the installment charge.
• Multiple Cars – Buying a policy with all your vehicles on one policy qualifies for this discount.
• Active Military Service – Having a family member in the military could trigger a small discount.
• Employee of Federal Government – Simply working for the federal government could cut as much as 10% off on New Beetle insurance with certain companies.
• ABS Braking Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes can stop better under adverse conditions and will save you 10% or more.
• Theft Prevention System – Cars, trucks, and SUVs with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
• Student Discounts – A discount for being a good student can save 20 to 25%. The good student discount can last until age 25.
• Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy a life policy as well.
• Defensive Driver – Completing a driver safety class could possibly earn you a 5% discount and make you a better driver.

Don’t be surprised that some of the credits will not apply to your bottom line cost. Most only cut specific coverage prices like comprehensive or collision. Despite the fact that it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

Some of the larger companies that may offer these benefits include:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

If you are trying to find cheaper auto insurance quotes, ask each company or agent to give you their best rates. All car insurance discounts may not apply in your area.

How do I know if I need professional advice?

When choosing adequate coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions can help discover whether or not you might need an agent’s assistance.

• Is my trailer covered?
• What is the ISO rating for a 2000 Volkswagen New Beetle?
• Can I still get insurance after a DUI?
• How much liability insurance is required?
• Where can I find high-risk insurance?
• Should I put collision coverage on all my vehicles?
• Is my teenager covered with friends in the car?
• Is a new car covered when I drive it off the dealer lot?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

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Information about specific coverages

Learning about specific coverages of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages offered by auto insurance companies.

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as rolling your car, hitting a parking meter, sustaining damage from a pot hole and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Auto liability insurance

This protects you from damage or injury you incur to other people or property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things such as court costs, attorney fees, funeral expenses, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like pain medications, chiropractic care and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from 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 coverage protects against things like hitting a deer, hail damage and damage from getting keyed. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Volkswagen New Beetle.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Final thoughts

When shopping online for insurance coverage, it’s very important that you do not buy poor coverage just to save money. Too many times, an insured cut uninsured motorist or liability limits only to discover later that they should have had better coverage. Your strategy should be to find the BEST coverage for the lowest cost, but don’t skip important coverages to save money.

In this article, we covered a lot of tips how to reduce 2000 Volkswagen New Beetle insurance premium rates online. The most important thing to understand is the more quotes you get, the higher your chance of finding low cost auto insurance. Consumers may even find the best premium rates are with the smaller companies. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

More information is located on the following sites:

• How to Avoid Staged Accidents (State Farm)
• Insuring a Leased Car (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• Understanding your Policy (NAIC.org)
• Cellphones, Texting and Driving (iihs.org)
• Neck Injury FAQ (iihs.org)

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