Save on 1998 Volkswagen New Beetle Car Insurance Quotes

Nobody I know likes paying for insurance, especially when their premiums are through the roof.

Many auto insurance companies compete to insure your vehicles, so it can be very hard to choose a company to find the absolute cheapest price

If you are paying for car insurance now, you will most likely be able to save some money using these techniques. Choosing the best insurance company for you is not rocket science. Although vehicle owners do need to know how big insurance companies price insurance differently and use this information to your advantage.

How to Compare Insurance Coverage

There are a variety of methods you can shop for 1998 Volkswagen New Beetle insurance coverage but there is one way that is more efficient than others. You could spend the better part of a day driving to insurance companies in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Most car insurance companies take part in a program that enables customers to submit one quote, and each participating company can provide price quotes based on that information. This prevents consumers from doing repetitive form submissions for each company.

To get comparison pricing now click here to open in new window.

The only drawback to using this type of form is that consumers can’t choose which companies to get quotes from. So if you prefer to choose from a list of companies for rate comparison, we have assembled a list of low cost insurance coverage companies in your area. Click to view list.

It’s your choice how you get your quotes, but make sure you use exactly the same coverage information with every price quote. If you use differing limits it’s impossible to determine which rate is truly the best. Just a small difference in insurance coverages could mean much higher rates. Just keep in mind that comparing more company’s prices provides better odds of finding better pricing.

Cut prices on Volkswagen New Beetle insurance

Insuring your vehicles can cost a lot, but companies offer discounts to help bring down the price. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be requested specifically in order for you to get them.

Claim Free – Claim-free drivers can earn big discounts when compared to frequent claim filers.
Student Driver Training – Have your child take driver’s ed class in school.
New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you could save up to 5%.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous. Any qualifying discounts will cut your premiums.

For a list of insurance companies who offer insurance coverage discounts, click here to view.

Tailor your coverage to you

When choosing adequate coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions may help highlight whether you would benefit from an agent’s advice.

Do I need higher collision deductibles?
Am I getting all the discounts available?
Why am I be forced to buy a membership to get insurance from some companies?
How much liability coverage do I need in my state?
Is my 1998 Volkswagen New Beetle covered for flood damage?
Do I have coverage for damage caused while driving under the influence?
How can I get my company to pay me more for my totalled car?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Coverage specifics

Understanding the coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by auto insurance companies.

Collision coverage

Collision insurance pays for damage to your New Beetle from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like rolling your car, colliding with another moving vehicle, backing into a parked car, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as prosthetic devices, chiropractic care, EMT expenses and pain medications. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, vandalism and hitting a deer. The most you’ll receive from a claim 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 (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Liability coverages

Liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as court costs, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.