2002 Volkswagen New Beetle Car Insurance Rates – 6 Discounts for Best Quotes

Want the cheapest insurance rates? Drivers have a choice when trying to find the lowest priced Volkswagen New Beetle insurance. You can either spend your time struggling with agents trying to get quotes or use the internet to make rate comparisons. There are both good and bad ways to shop for insurance and you need to know the best way to price shop coverage for a new or used Volkswagen and find the lowest possible price either online or from local insurance agents.

It is always a good idea to get comparison quotes at least once a year since rates are rarely the same from one policy term to another. Just because you had the lowest rates for New Beetle coverage a couple years back other companies may now be cheaper. There is too much inaccurate information about insurance on the internet, so with this article, you’re going to get the best ways to slash your insurance rates.

Finding affordable coverage is not rocket science. If you have car insurance now, you should be able to lower your premiums substantially using these techniques. Drivers just need to understand the proper way to compare rates online.

Don’t miss these six discounts

Companies that sell car insurance don’t always advertise all available discounts in a way that’s easy to find, so the following is a list of some of the best known as well as the least known ways to save on auto insurance. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags can get savings of more than 20%.
  • Organization Discounts – Being a member of certain professional organizations could trigger savings when buying auto insurance for New Beetle coverage.
  • Sign Early and Save – Select companies give a discount for switching policies prior to your current policy expiring. It can save you around 10%.
  • Paperwork-free – Certain companies may give you up to $50 for buying your policy on their website.
  • Student in College – Kids in college who live away from home and do not have a car may qualify for this discount.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.

Consumers should know that some credits don’t apply to the overall cost of the policy. Most only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way.

Companies that possibly offer these discounts are:

Check with every prospective company how you can save money. Savings may not be available in every state.

When might I need help?

When choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

These are some specific questions could help you determine whether you would benefit from professional advice.

  • When should I buy a commercial auto policy?
  • How high should deductibles be on a 2002 Volkswagen New Beetle?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered if I hit a deer?
  • Do I need PIP coverage since I have good health insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Can I rent a car in Mexico?
  • Does my car insurance cover rental cars?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Car insurance 101

Learning about specific coverages of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like rehabilitation expenses, funeral costs, prosthetic devices, surgery and EMT expenses. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverages – This coverage will pay to fix damage to your New Beetle resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as scraping a guard rail, crashing into a building, crashing into a ditch, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Liability – This coverage can cover damage that occurs to people or other property. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for things like medical expenses, loss of income, structural damage and emergency aid. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Comprehensive coverage – This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, falling objects, hitting a bird and damage from getting keyed. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Volkswagen New Beetle.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Saving money is sweet as honey

As you prepare to switch companies, never buy poor coverage just to save money. In many instances, someone sacrificed physical damage coverage only to regret at claim time that they should have had better coverage. The proper strategy is to purchase plenty of coverage at the best price, not the least amount of coverage.

Discount 2002 Volkswagen New Beetle insurance is available on the web and also from your neighborhood agents, and you need to price shop both to have the best rate selection. A few companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

Consumers leave their current company for a variety of reasons including delays in paying claims, policy non-renewal, questionable increases in premium and extreme rates for teen drivers. Whatever your reason, switching insurance coverage companies is pretty simple and you could end up saving a buck or two.

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