1. Vehicles
  2. Volkswagen
  3. New Beetle
  4. 1998 Model Year

1998 Volkswagen New Beetle Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Nov 23, 2017

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Are you a victim of an overpriced insurance policy? Believe me when I say you’re not the only one.

Many insurers compete to insure your vehicles, so it can be very hard to choose a company to find the absolute lowest rate

It’s a good idea to price shop coverage once or twice a year because rates are rarely the same from one policy term to another. Just because you had the best deal for New Beetle insurance last year other companies may now be cheaper. Ignore everything you know about insurance because I’m going to let you in on the secrets to one of the quickest ways to find better coverage at a better price.

Do you qualify for discounts?

Car insurance can cost a lot, but discounts can save money and there are some available to cut the cost considerably. Some trigger automatically when you purchase, but lesser-known reductions have to be specifically requested before they will apply.

  • No Claims – Drivers who don’t have accidents can earn big discounts compared to accident-prone drivers.
  • Save with a New Car – Adding a new car to your policy can save up to 30% since new cars are generally safer.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy can get a discount on all vehicles.
  • E-sign – Some insurance companies will give a small break just for signing your application digitally online.
  • Distant Student – Kids in college living away from home attending college and don’t have a car may qualify for this discount.
  • Accident Waiver – Some insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Homeowners Pay Less – Owning a house can help you save on auto insurance because of the fact that having a home shows financial diligence.
  • Low Mileage – Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
  • Safety Course Discount – Taking a driver safety course could save 5% or more if your company offers it.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most only apply to individual premiums such as medical payments or collision. Just because you may think adding up those discounts means a free policy, you’re out of luck. But any discount will bring down your premiums.

Insurance companies who might offer these discounts include:

Check with each insurance company which discounts they offer. Savings may not be available in your state.

Compare the Market for Auto Insurance

The are a couple different ways to compare rate quotes from auto insurance companies in your area. The easiest way by far to find the cheapest 1998 Volkswagen New Beetle insurance rates consists of shopping online. This can be done using a couple different methods.

One of the best ways to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This form eliminates the need for separate quote forms for every auto insurance company. One form submission compares rates from many national carriers.

Another way to analyze rates is spending the time to visit each company website and request a quote. For examples sake, we’ll pretend you want to compare USAA, Allstate and Farmers. You would have to go to every website to input your insurance information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

The least efficient method to get comparison rates is to spend your day driving to insurance agents’ offices. The ability to buy insurance online can eliminate the need for a local agent unless you have a need for the trained guidance of a licensed agent. However, consumers can price shop online but buy from a local insurance agent. We’ll cover that shortly.

However you get your quotes, ensure you are comparing the exact same coverage limits for every company. If the quotes have different limits and deductibles on each one it’s not possible to make a fair comparison for your Volkswagen New Beetle. Quoting even small variations in limits may result in a large different in cost. And when price shopping your coverage, comparing a large number of companies gives you a better chance of getting a better price.

Don’t assume everyone needs the same coverage

When choosing the right insurance coverage, there really is not a cookie cutter policy. Every situation is different so your insurance needs to address that. For instance, these questions might point out whether you would benefit from an agent’s advice.

  • Do I need roadside assistance coverage?
  • Is a blown tire covered by insurance?
  • Do I really need UM/UIM coverage?
  • Can my babysitter drive my car?
  • What is UM/UIM insurance?
  • Why am I required to get a high-risk car insurance policy?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverage breakdown

Learning about specific coverages of your auto insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most auto insurance policies.

Coverage for liability

This coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as medical expenses, pain and suffering and structural damage. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Auto collision coverage

This pays for damage to your New Beetle resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a building, crashing into a ditch, driving through your garage door, hitting a parking meter and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for expenses like funeral costs, ambulance fees, nursing services and hospital visits. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 1998 Volkswagen New Beetle.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as theft, hitting a bird, a tree branch falling on your vehicle, damage from a tornado or hurricane and fire damage. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Never pay more for less

The cheapest 1998 Volkswagen New Beetle insurance is possible on the web and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. Some car insurance companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

Throughout this article, we presented some good ideas how to lower your insurance rates. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. You may even discover the best prices are with a small mutual company. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm or Progressive.

To read more, feel free to browse the following helpful articles:

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles