2000 Volkswagen New Beetle Insurance Cost

Searching for the cheapest insurance rates for your Volkswagen New Beetle? Are you sick and tired of trying to scrape together enough money to pay your car insurance bill each month? You’re in the same situation as the majority of other car owners.

Big-name insurance companies like State Farm, Farmers Insurance, Geico and Allstate all claim big savings with catchy ads and it is difficult to not get sucked in by the cute commercials and do the work needed to find the best deal.

It’s important to compare prices once or twice a year because prices tend to go up over time. Just because you had the best deal for New Beetle insurance two years ago a different company probably has better rates today. Starting right now, forget anything you know (or think you know) about insurance because you’re going to learn the easiest way to find better rates and still maintain coverage.

The method we recommend to compare car insurance rates is to take advantage of the fact most of the bigger providers participate in online systems to provide you with a free rate quote. All you need to do is provide a small amount of information such as how much education you have, whether the vehicles are used for commuting, if a SR-22 is needed, and an estimate of your credit level. The rating information gets sent immediately to all major companies and they provide comparison quotes with very little delay.

To compare multiple company rates now, click here and enter your coverage details.

Don’t pay full price with these discounts

Insuring your fleet can be pricey, but you may find discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time of purchase, but some must be specifically requested before being credited.

  • Homeowners Savings – Owning a home may trigger a insurance policy discount because of the fact that having a home requires personal responsibility.
  • Drive Less and Save – Fewer annual miles on your Volkswagen could qualify for better rates on cars that stay parked.
  • Military Discounts – Being deployed with a military unit may qualify for rate reductions.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Accident Waiver – Some insurance companies allow you one accident without raising rates so long as you haven’t had any claims for a set time period.
  • Early Switch Discount – A few companies offer discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • Clubs and Organizations – Participating in a qualifying organization could trigger savings on insurance for New Beetle insurance.
  • Air Bag Discount – Factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Claim Free – Drivers with accident-free driving histories can earn big discounts as compared to drivers who are more careless.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.

Drivers should understand that most credits do not apply the the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky. Any qualifying discounts will bring down your premiums.

To see a list of insurance companies who offer insurance discounts, follow this link.

Your personal situation dictates your coverage

When it comes to choosing coverage for your personal vehicles, there is no single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. For example, these questions may help highlight if your insurance needs could use an agent’s help.

  • Am I covered if I wreck a rental car?
  • How much liability do I need to cover my assets?
  • Is my 2000 Volkswagen New Beetle covered for smoke damage?
  • How do I file an SR-22 for a DUI in my state?
  • Am I covered if I break a side mirror?
  • What is the rate difference between pleasure use and commuting?
  • Is there coverage for injuries to my pets?
  • Is my camper covered by my car insurance policy?
  • What is the ISO rating for a 2000 Volkswagen New Beetle?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Parts of your auto insurance policy

Having a good grasp of your policy can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and reading a policy is terribly boring. Shown next are typical coverage types found on the average auto insurance policy.

Auto liability insurance – This provides protection from injuries or damage you cause to other people or property. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as medical services, attorney fees, loss of income and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for immediate expenses such as chiropractic care, X-ray expenses, dental work and EMT expenses. They can be used in conjunction with a health insurance program or if you do not have health coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Comprehensive protection – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as theft, falling objects and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage – This covers damage to your New Beetle caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a parking meter, crashing into a ditch, rolling your car, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Volkswagen New Beetle.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Make an honest buck

Budget-conscious 2000 Volkswagen New Beetle insurance can be purchased on the web as well as from independent agents, so compare prices from both to get a complete price analysis. A few companies don’t offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

As you restructure your insurance plan, you should never buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice liability limits or collision coverage and learned later that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage for the lowest price.

We’ve covered a lot of information how to get a better price on insurance. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the lowest rates come from some of the smallest insurance companies. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate and Progressive.

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