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2001 Volkswagen New Beetle Insurance Rates

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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 ...

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UPDATED: Jun 12, 2015

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Want better auto insurance rates? Drivers have many options when trying to find affordable Volkswagen New Beetle insurance. You can either spend your time struggling with agents getting price quotes or utilize the internet to make rate comparisons. There is a right way and a wrong way to buy auto insurance and you need to know the best way to get price quotes for a new or used Volkswagen and obtain the lowest possible price.

It’s important to compare prices occasionally due to the fact that insurance rates fluctuate regularly. If you had the best deal on New Beetle coverage two years ago you can probably find a better price now. There is a lot of bad information regarding auto insurance on the internet, so I’m going to show you some solid techniques on how to quit paying high auto insurance rates.

Buying car insurance is easy if you know what you’re doing. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these tips. Vehicle owners just need to learn the most efficient way to get comparison rates online.

The fastest way that we advise to compare policy rates is to know the trick all the major auto insurance companies participate in a system to give rate comparisons. All consumers are required to do is provide a small amount of information like if you are currently licensed, how you use your vehicles, how old drivers are, and if you require a SR-22. Your information is automatically sent to multiple top-rated companies and you get price estimates quickly.

Switch companies and save? Really?

Consumers constantly see and hear ads that promise big savings from companies such as State Farm and Allstate. They all seem to say the same thing that you’ll save big if you switch your policy.

But how can every company make the same claim? This is how they do it.

Different companies have a preferred profile for the driver they prefer to insure. For example, a preferred risk might be over the age of 50, is a homeowner, and drives newer vehicles. A propective insured who matches those parameters receives the best rates and as a result will probably save a lot of money.

Potential insureds who don’t meet these standards will be quoted a more expensive rate and ends up with business going elsewhere. The ads say “drivers who switch” not “people who quote” save that kind of money. That’s why insurance companies can confidently advertise the way they do. This emphasizes why drivers must quote coverage with many companies. It is impossible to predict the company that will provide you with the cheapest Volkswagen New Beetle insurance rates.

Cut your premium with these ten discounts

Companies don’t list all their discounts in an easy-to-find place, so here is a list some of the more common and the more hidden insurance coverage savings. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Life Insurance Discount – Some companies give a discount if you purchase life insurance from them.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Club Memberships – Being a member of a professional or civic organization could qualify you for a break when buying insurance coverage on New Beetle coverage.
  • Student in College – Kids in college who are attending college and do not have a car may qualify for this discount.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
  • Military Rewards – Being on active duty in the military could mean lower rates.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts may earn rate discounts up to 30%.
  • Senior Citizens – If you’re over the age of 55, you may be able to get a discount up to 10% on New Beetle coverage.
  • Multi-policy Discount – If you insure your home and vehicles with the same insurance company you may save up to 20% off your total premium.
  • Paperwork-free – A few companies give back up to $50 just for signing your application over the internet.

A little note about advertised discounts, most discount credits are not given to the entire cost. A few only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like you can get free auto insurance, insurance coverage companies aren’t that generous.

Companies that may have these money-saving discounts include:

Before buying, ask each company which discounts you may be entitled to. Discounts might not be offered everywhere.

What is the best insurance coverage?

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining whether your personal situation could use an agent’s help.

  • Do I pay less for low miles?
  • Does car insurance cover theft of personal property?
  • How much liability do I need to cover my assets?
  • Is rental equipment covered for theft or damage?
  • Is extra glass coverage worth it?
  • Does insurance cover tools stolen from my truck?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage information

Having a good grasp of your auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers 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 like fire damage, damage from flooding and a broken windshield. The most your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverage

This coverage will cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover 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. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property.

Liability insurance covers claims such as loss of income, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as EMT expenses, rehabilitation expenses, prosthetic devices, pain medications and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Collision insurance

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

Collision insurance covers things like damaging your car on a curb, hitting a parking meter, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Save your hard earned cash

While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. There are many occasions where drivers have reduced liability limits or collision coverage and learned later that it was a big error on their part. Your aim should be to buy enough coverage for the lowest price while not skimping on critical coverages.

You just read a lot of information how to compare 2001 Volkswagen New Beetle insurance prices online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the lowest priced auto insurance comes from a small local company.

Cost effective insurance is attainable online and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies do not offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

More information can be found on the following sites:

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