Compare 1999 Volkswagen New Beetle Insurance Quotes

Searching for cheaper car insurance rates for your Volkswagen New Beetle? I can’t think of anyone who likes having to buy car insurance, especially knowing they are paying too much. Companies like State Farm, Allstate, Geico and Progressive continually hit you with ads and it is difficult to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

You should make it a habit to take a look at other company’s rates on a regular basis because insurance rates tend to go up over time. Just because you found the lowest price on New Beetle insurance a few years ago the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because you’re about to learn the things you must know in order to eliminate unnecessary coverages and save money.

If you are insured now or are just looking to switch companies, you can use this information to cut your premiums and possibly find even better coverage. Finding affordable coverage is quite easy. Vehicle owners just need to know the proper methods to buy insurance coverage online.

Factors determining your Volkswagen New Beetle insurance premium

Smart consumers have a good feel for the different types of things that help determine the rates you pay for insurance coverage. Understanding what controls the rates you pay allows you to make educated decisions that will entitle you to better insurance coverage rates.

The following are some of the factors companies use to determine prices.

  • Where you live can impact rates – Living in a rural area is a positive aspect when insuring your vehicles. Urban drivers have more traffic problems and a longer drive to work. Fewer people means fewer accidents and also fewer theft and vandalism claims.
  • Cautious drivers pay less – Drivers who don’t get tickets tend to pay less for car insurance than people who have multiple driving citations. Only having one speeding ticket can bump up the cost twenty percent or more. Drivers with severe tickets such as DUI or reckless driving are required to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • Never let your coverage lapse – Allowing your coverage to lapse is a fast way to bump up your insurance coverage costs. Not only will you pay more, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license.You may need to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Multiple policies with one company can save – Some companies will give a discount to policyholders who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to compare other company rates to make sure you are getting the best deal.
  • Small claims can cost you – Insurance companies generally give discounts to policyholders who do not file claims often. If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Save money with special equipment – Owning a car with a theft deterrent system can help bring down rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your vehicle from being stolen.
  • Your credit rating is important – Credit history is a huge factor in determining what you pay for insurance coverage. So if your credit rating is not that good, you could save money insuring your 1999 Volkswagen New Beetle by improving your rating. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers with lower credit scores.

Free Auto Insurance Quotes

All major auto insurance companies provide pricing on their websites. Getting online rates is fairly straightforward as you just type in the coverages you want into the quote form. After you complete the form, their system obtains your driving and credit reports and generates pricing information. This simplifies rate comparisons, but having to visit many different websites and enter the same data into a form can be a bit tiresome and repetitive. But it’s absolutely necessary to do this if you are searching for the best price possible.

A more efficient way to lower your rates is to use a quote form to get prices from multiple companies. This type of form saves time, helps eliminate reptitive entry, and makes comparison shopping much simpler. Once the form is submitted, it is rated with multiple companies and you can pick your choice of the quotes that you receive.

If a lower price is quoted, you can simply submit the application and purchase coverage. The whole process only takes a few minutes and you will find out if you’re overpaying now.

To quickly compare rates now, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you replicate the limits and deductibles identical to your current policy. Doing this assures you’re receiving rate quotes based on the exact same insurance coverage.

Policy discounts you shouldn’t miss

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that can drop the cost substantially. Some trigger automatically when you quote, but some must be asked for prior to getting the savings. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Paperless Signup – A few companies will give a small break just for signing your application online.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Club Memberships – Affiliation with a civic or occupational organization could qualify you for a break on auto insurance on New Beetle insurance.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more on New Beetle insurance than less cautious drivers.
  • 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates on New Beetle insurance.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Multiple Cars – Having all your vehicles on one policy may reduce the rate for each vehicle.
  • Driver Safety – Taking part in a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Life Insurance Discount – Some companies give a break if you buy life insurance from them.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to specific coverage prices like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will reduce your premiums.

Car insurance companies that may have these benefits include:

It’s a good idea to ask all companies you are considering which discounts they offer. Discounts might not be offered everywhere.

Insurance agents can help

When choosing coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that could help you determine if you might need professional guidance.

  • Do I need special endorsements for business use of my vehicle?
  • Is upholstery damage covered by car insurance?
  • Do I need replacement cost coverage?
  • How can I force my company to pay a claim?
  • What happens if I owe more than my 1999 Volkswagen New Beetle is worth?
  • Can I still get insurance after a DUI?
  • Will my rates increase for filing one claim?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk 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. It is quick, free and can provide invaluable advice.

Car insurance coverage breakdown

Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. These are typical coverages available from car insurance companies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as dental work, surgery and chiropractic care. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, vandalism, falling objects and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability

Liability coverage provides protection from injuries or damage you cause to other people or property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which stand for 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. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as loss of income, medical expenses, pain and suffering and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with another moving vehicle, rolling your car, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Volkswagen New Beetle.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

A tidy conclusion

You just learned many ideas to reduce 1999 Volkswagen New Beetle insurance prices online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers could even find that the best prices are with some of the lesser-known companies. Regional companies may cover specific market segments cheaper as compared to the big name companies such as Allstate, Geico and Progressive.

When you buy insurance online, do not buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut full coverage only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at the best price while still protecting your assets.

Affordable insurance is attainable both online and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection. Some companies may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

Even more information can be read at these sites: