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2002 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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Searching for better auto insurance rates for your Volkswagen New Beetle? Having to pay for overpriced Volkswagen New Beetle insurance can empty your personal savings and make it hard to pay other bills. Shopping your coverage around is a smart way to slash your bill and have more diposable income. Big-name insurance companies like Progressive, State Farm and GEICO promote their brand names with ads and consumers find it hard to separate fact from fiction and effectively compare rates to find the best deal.

It’s smart to take a look at other company’s rates before your policy renews since rates go up and down regularly. If you had the best rates on New Beetle coverage six months ago you can probably find a lower rate today. Don’t believe everything you read about auto insurance online but I’m going to show you some great ways to find affordable auto insurance.

Why you might be paying too much to insure your Volkswagen New Beetle

An important part of buying insurance is that you know the different types of things that play a part in calculating the price you pay for insurance. Knowing what determines base rates enables informed choices that may reward you with much lower annual insurance costs.

Shown below are some of the factors insurance companies consider when setting rates.

  • Never let your coverage lapse – Driving without insurance is a misdemeanor and you will pay a penalty because you let your insurance lapse. Not only will you pay more, but not being able to provide proof of insurance will get you a steep fine or even jail time.You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • More claims means more premium – Car insurance companies provide lower rates to people who do not rely on their insurance for small claims. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Bundling policies can get discounts – Many companies give discounts to policyholders who consolidate policies with them. It’s known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even though this discount sounds good, you still need to shop around to confirm you are receiving the best rates possible. You may still find a better deal by buying insurance from more than one company.
  • How credit affects insurance rates – A driver’s credit score is a important factor in determining what you pay for insurance. If your credit history is lower than you’d like, you could pay less to insure your 2002 Volkswagen New Beetle by repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims than those with poor credit.
  • Being married is a good thing – Being married can get you a discount on insurance. It translates into being more responsible it has been statistically shown that married drivers get in fewer accidents.
  • Safer cars cost less to insure – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles reduce injuries and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Volkswagen New Beetle is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Where you reside plays a part – Living in a small town can be a good thing when talking about insurance. City drivers have to deal with much more traffic and longer commute times. Lower population means a lower chance of having an accident.
  • More miles equals more premium – The higher the mileage driven in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Verify your insurance declarations sheet shows the correct usage for each vehicle. Incorrect usage on your New Beetle may be costing you.

Don’t pay full price with these discounts

Car insurance companies don’t necessarily list all available discounts in a way that’s easy to find, so we break down both the well known and the more hidden discounts you could be receiving. If you aren’t receiving every discount possible, you are throwing money away.

  • Multiple Vehicles – Buying coverage for multiple vehicles on the same insurance coverage policy qualifies for this discount.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you will save at least 10% off all policies.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
  • Driver Safety – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
  • Low Mileage – Low mileage vehicles can earn a substantially lower rate.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • College Student – Any of your kids who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
  • Sign Online – Certain companies give back up to $50 simply for signing digitally online.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% on New Beetle coverage with select insurance companies.
  • Good Student Discount – Performing well in school can save 20 to 25%. This discount can apply up until you turn 25.

It’s important to understand that most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, companies don’t profit that way.

Car insurance companies that may have some of the above discounts include:

It’s a good idea to ask each insurance company which discounts they offer. Discounts might not be offered in your state.

Your personal situation dictates your coverage

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions could help you determine if you might need an agent’s assistance.

  • Why am I required to buy liability insurance?
  • Do I need more liability coverage?
  • Can I afford low physical damage deductibles?
  • How many claims can I have before being canceled?
  • Do I need special endorsements for business use of my vehicle?
  • What is the minimum liability in my state?
  • Will I lose any money if I cancel my policy before it expires?
  • Does insurance cover damages from a DUI accident?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Insurance coverage options for a Volkswagen New Beetle

Learning about specific coverages of your insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages available from insurance companies.

Collision coverage protection

This coverage will pay to fix damage to your New Beetle resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a building, rolling your car, sustaining damage from a pot hole, damaging your car on a curb and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for liability

Liability coverage can cover damage that occurs to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for things like medical services, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the “other guys” 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.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, a broken windshield, damage from a tornado or hurricane, damage from flooding and hail damage. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as prosthetic devices, X-ray expenses and rehabilitation expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

A fool and his money are soon parted

As you prepare to switch companies, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced liability limits or collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage at the best price, not the least amount of coverage.

Budget-conscious 2002 Volkswagen New Beetle insurance is available on the web as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. A few companies don’t offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

To read more, take a look at these articles:

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