1998 Volkswagen New Beetle Insurance Rates – 5 Tips for Cheapest Quotes

Wish you could get a refund on an overpriced auto insurance policy? Believe me, many consumers feel financially strained by their auto insurance policy.

Consumers have so many auto insurance companies to choose from, and even though it’s nice to have a selection, it can be more difficult to compare company pricing.

Finding the best rates is easy if you know what you’re doing. Just about every driver who buys insurance coverage most likely will be able to reduce their rates. But drivers should learn how insurance companies market on the web and take advantage of how the system works.

Where can I get the cheapest auto insurance?

Performing a rate comparison can be a lot of work if you don’t utilize the most efficient way to do it. You can waste a lot of time talking to insurance companies in your area, or you can utilize online quotes to maximize your effort.

Many insurance companies participate in a marketplace that allows shoppers to enter their coverage request one time, and each participating company returns a rated price. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To compare pricing click to open in new window.

The single downside to pricing coverage this way is that you can’t choose the companies to get pricing from. So if you want to choose specific providers to compare rates, we have assembled a list of companies who write auto insurance in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but ensure you are comparing the exact same coverage information for each quote you get. If you enter mixed coverages it will be very difficult to find the best deal for your Volkswagen New Beetle. Just a small difference in insurance coverages may result in large price differences. And when price shopping your coverage, making a lot of price comparisons will enable you to find more affordable insurance.

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Can you really save $432 a year?

Well-known auto insurance companies like Allstate and Progressive constantly bombard you with television, radio, and online ads. They all say the same thing about savings if you just switch your coverage. How does each company offer you a better deal? It’s all in the numbers.

Many companies give the best rates for the type of driver that earns them a profit. For example, this type of driver might be a mature driver, owns a home, and drives less than 7,500 miles a year. Any customer that fits those parameters will get the preferred premium rates and most likely will save some money.

Drivers who fall outside the ideal profile will be quoted higher rates and ends up with the customer buying from someone else. The ad wording is “customers who switch” but not “everyone who gets a quote” save that much money. That’s why insurance companies can advertise the way they do. Because of these techniques, you really should compare quotes as often as possible. It’s not possible to predict with any certainty which company will have the lowest rate quotes.

Do you qualify for these five discounts?

Companies that sell car insurance don’t list every discount in an easy-to-find place, so we took the time to find some of the best known as well as some of the hidden discounts that you can inquire about if you buy insurance online. If you’re not getting every credit possible, you could be getting lower rates.

• One Accident Forgiven – Not necessarily a discount, but certain companies may permit one accident without raising rates so long as you are claim-free for a set time period.
• Senior Discount – Drivers that qualify as senior citizens may receive a small discount on rates for New Beetle coverage.
• Discounts for New Vehicles – Buying insurance on a new vehicle can cost up to 25% less because newer vehicles have to meet stringent safety requirements.
• Good Student Discount – Performing well in school can save 20 to 25%. This discount can apply until age 25.
• Include Life Insurance and Save – Some auto insurance companies give a discount if you purchase auto and life insurance together.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire cost. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though you would think you could get a free auto insurance policy, you aren’t that lucky. But all discounts will positively reduce the amount you have to pay.

To locate insurers that offer the discounts shown above, click this link.

Don’t assume everyone needs the same insurance coverage

When it comes to buying the right insurance coverage for your vehicles, there is no single plan that fits everyone. Every situation is different so your insurance should reflect that These are some specific questions could help you determine whether or not you may require specific advice.

• What are the financial responsibility laws in my state?
• Am I better off with higher deductibles on my 1998 Volkswagen New Beetle?
• Does my car insurance cover rental cars?
• Is rental equipment covered for theft or damage?
• Does coverage extend to my business vehicle?
• How high should deductibles be on a 1998 Volkswagen New Beetle?
• Should I buy more coverage than the required minimum liability coverage?
• Does car insurance cover theft of personal property?
• Does my liability insurance cover pulling a trailer or camper?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

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Coverage specifics

Having a good grasp of your car insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types available from car insurance companies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for expenses for things like hospital visits, doctor visits, ambulance fees and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from flooding, rock chips in glass and hail damage. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM Coverage

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverage

This will pay to fix damage to your New Beetle resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a building, rolling your car, driving through your garage door and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Auto liability insurance

This coverage provides protection from damages or injuries you inflict on other people or property. 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. As an example, you may have liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for claims like repair costs for stationary objects, bail bonds, funeral expenses and structural damage. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

More comparisons equals lower rates

Cheap 1998 Volkswagen New Beetle insurance is possible both online and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some companies do not offer the ability to get a quote online and most of the time these regional carriers work with local independent agents.

Throughout this article, we presented a lot of ways to compare 1998 Volkswagen New Beetle insurance premium rates online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your prices. Consumers may even find the best premium rates are with the least-expected company. These companies can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

For more information, feel free to visit the resources below:

• Frontal Crash Tests (iihs.org)
• Event Data Recorders FAQ (iihs.org)
• Safety Belts FAQ (iihs.org)
• Teen Driving Statistics (iihs.org)
• Five Mistakes to Avoid (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)

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