2003 Volkswagen New Beetle Insurance Quotes – 7 Savings Tips

Trying to find low-cost insurance for a Volkswagen New Beetle can normally be a lot of work, but you can learn these tips to save time.

There are more efficient ways to shop for car insurance and you need to know the quickest way to compare rates for a Volkswagen and obtain the cheapest rates from both online companies and local agents.

Save on 2003 Volkswagen New Beetle insurance

The price of auto insurance can be rather high, but you can get discounts to help offset the cost. Certain discounts will be applied at the time you complete a quote, but lesser-known reductions have to be requested specifically before they will apply. If you’re not getting every credit possible, you are throwing money away.

  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you until age 25.
  • Passive Restraint Discount – Cars that have air bags can qualify for discounts of more than 20%.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Claim Free – Drivers with accident-free driving histories can earn big discounts when compared to drivers who are more careless.
  • Seat Belt Usage – Requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.

It’s important to note that most discount credits are not given the the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, companies wouldn’t make money that way. But all discounts will bring down your overall premium however.

For a list of insurance companies with discount insurance coverage rates, click here.

Tailor your coverage to you

When it comes to choosing adequate coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out if you would benefit from professional advice.

  • Is other people’s property covered if stolen from my vehicle?
  • Is my teen driver covered when they drive my company car?
  • What is an SR-22 filing?
  • When should I drop full coverage on my 2003 Volkswagen New Beetle?
  • Is there coverage for injuries to my pets?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Coverages available on your policy

Learning about specific coverages of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2003 Volkswagen New Beetle.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability insurance

Liability coverage provides protection from damage that occurs to a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, 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 provides one coverage limit without having the split limit caps.

Liability coverage pays for things like repair bills for other people’s vehicles, structural damage and medical expenses. How much coverage you buy is up to you, but consider buying as much as you can afford.

Collision protection

This covers damage to your New Beetle resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as driving through your garage door, colliding with a tree, rolling your car and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for surgery, EMT expenses, nursing services and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a deer, damage from flooding, damage from getting keyed, fire damage and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

At the end of the day…

As you prepare to switch companies, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced comprehensive coverage or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at an affordable rate while still protecting your assets.

We just presented quite a bit of information on how to lower your 2003 Volkswagen New Beetle insurance rates. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from the smaller companies.

People leave their current company for many reasons like poor customer service, unfair underwriting practices, extreme rates for teen drivers or even an unsatisfactory settlement offer. It doesn’t matter what your reason, choosing a new insurance company is not as hard as you think.

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