2001 Volkswagen New Beetle Car Insurance Rates – 5 Discounts for Best Quotes

Trying to find lower auto insurance rates for your Volkswagen New Beetle? Feel like you’re a prisoner to high-priced auto insurance? Believe me, you are not the only one feeling buyer’s remorse. With so many companies to choose from, it can be diffult for consumers to pick the lowest price insurance company.

Smart consumers take time to check auto insurance prices at least once a year because insurance rates fluctuate regularly. Despite the fact that you may have had the best price on New Beetle insurance six months ago there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the best methods to buy cheaper auto insurance.

This article will tell you how to effectively get price quotes. If you currently have car insurance, you will most likely be able to lower your premiums substantially using this information. Consumers just need to know how to compare company rates online.

Free Quotes for Insurance

Finding cheaper 2001 Volkswagen New Beetle insurance prices can be quick and easy. The only requirement is to take time comparing rates from different insurance companies. This can be accomplished using a couple different methods.

  1. The single most time-saving way consumers can analyze rates is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating boring form submissions for every insurance company. One quote request will get you rate comparisons from many national carriers.
  2. A less efficient way to compare prices is going to the website for each individual company to complete their respective quote request forms. For sake of this example, we’ll assume you want comparison quotes from Allstate, Liberty Mutual and GMAC. To get each rate you have to go to every website and enter your policy data, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but make sure you use identical coverages and limits on every quote. If the quotes have different values for each quote you can’t possibly truly determine the lowest rate.

These five discounts can slash insurance coverage rates

Insurance can be prohibitively expensive, but there could be available discounts that you may not know about. Some discounts apply automatically at the time of purchase, but a few must be inquired about prior to receiving the credit. If you’re not getting every credit available, you are paying more than you should be.

  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • One Accident Forgiven – A few companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
  • Discount for Swiching Early – Select companies give a discount for signing up before your current expiration date. The savings is around 10%.

It’s important to understand that most discount credits are not given the the whole policy. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way. Any qualifying discounts will help reduce the cost of coverage.

Car insurance companies who might offer these discounts include:

It’s a good idea to ask each company which discounts you may be entitled to. Discounts might not be offered in every state.

When might I need the advice of an agent?

When choosing the right insurance coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that may help you determine whether you might need an agent’s assistance.

  • What can I do if my company won’t pay a claim?
  • What vehicles should carry emergency assistance coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered by my spouse’s policy after a separation?
  • Can I still get insurance after a DUI?
  • Do I need PIP coverage since I have good health insurance?
  • Can my teen drive my company car?
  • Can I get a multi-policy discount?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my teenager covered with friends in the car?

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 agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Auto insurance coverage basics

Understanding the coverages of a auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring. These are the normal coverages offered by auto insurance companies.

Comprehensive or Other Than Collision – This coverage pays for 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 hitting a deer, a tree branch falling on your vehicle and rock chips in glass. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical costs insurance – Med pay and PIP coverage kick in for short-term medical expenses for things like surgery, doctor visits, X-ray expenses and ambulance fees. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision 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 first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as backing into a parked car, crashing into a ditch, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, 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 your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability – This can cover damage that occurs to people or other property. This coverage protects you from claims by other people, 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 might see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like legal defense fees, attorney fees, pain and suffering, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

In any little way, save everyday

Discount 2001 Volkswagen New Beetle insurance can be bought online as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who don’t offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

Throughout this article, we presented many tips how you can compare insurance prices online. It’s most important to understand that the more providers you compare, the higher your chance of finding lower rates. Consumers may even find the lowest priced car insurance comes from a smaller regional carrier. Some small companies may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.

When you buy insurance online, you should never skimp on critical coverages to save a buck or two. In too many instances, someone dropped uninsured motorist or liability limits only to find out that it was a big mistake. Your strategy should be to get the best coverage possible at an affordable rate.

Much more information about car insurance can be read on the following sites: