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2004 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: Nov 23, 2017

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Buying car insurance is not a process drivers enjoy, but all states require it in order to drive legally.

Smart consumers take time to check car insurance prices occasionally because rates change quite often. If you had the lowest rates on New Beetle insurance a year ago the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because we’re going to demonstrate the things you must know in order to buy cheaper car insurance.

The quickest method we recommend to compare insurance rates from multiple companies is to know the fact most insurance companies provide online access to provide you with a free rate quote. The only thing you need to do is provide a small amount of information like coverage limits, an estimate of your credit level, your education level, and daily mileage. Those rating factors is then sent to many highly-rated insurers and they return quotes instantly to find the best rate.

But I don’t know anything about car insurance

When choosing the best auto insurance coverage for your vehicles, there really is no perfect coverage plan. Every insured’s situation is different.

These are some specific questions could help you determine if your situation might need an agent’s assistance.

  • Do I need roadside assistance coverage?
  • Does coverage extend to my business vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • When should I buy a commercial auto policy?
  • Is rental equipment covered for theft or damage?
  • Should I drop comprehensive coverage on older vehicles?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I need to file an SR-22 for a DUI in my state?
  • How can I get my company to pay me more for my totalled car?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance 101

Learning about specific coverages of insurance can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, hitting a bird, a tree branch falling on your vehicle, hail damage and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision insurance 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 can pay for things such as damaging your car on a curb, driving through your garage door, crashing into a building, scraping a guard rail and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Volkswagen New Beetle.

Since many drivers carry very low liability coverage limits, 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 limits do not exceed the liability coverage limits.

Liability car insurance

Liability coverage provides protection from damage or injury you incur to people or other property by causing an accident. It protects YOU against other people’s claims. Liability 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. Your policy might show policy limits 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 a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like repair bills for other people’s vehicles, court costs, loss of income, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like nursing services, ambulance fees and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

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