View 2006 Volkswagen New Beetle Insurance Quotes

Sick and tired of scraping the payment together to pay your car insurance bill each month? You are in the same boat as most other car owners. Companies like Geico, Farmers Insurance and State Farm constantly blast consumers with ad campaigns and it can be hard to ignore the flashy ads and find the best price available.

It is always a good idea to compare rates before your policy renews because prices go up and down regularly. Even if you got the best deal on New Beetle coverage last year a different company probably has better rates today. Starting now, forget all the misinformation about auto insurance because we’re going to show you the only way to save on auto insurance.

Where Can I Get Cheap Auto Insurance?

Getting a lower price on 2006 Volkswagen New Beetle insurance is not rocket science. All that’s required is to spend a little time to get quotes online from several insurance companies. This can be accomplished using a couple different methods.

  1. One of the best ways to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This form keeps you from doing separate quotes for each company you want a rate for. A single form will get you rate comparisons from all major companies.
  2. A less efficient way to analyze rates requires visiting the website of each company to complete a price quote. For instance, let’s assume you want rates from State Farm, Liberty Mutual and Allstate. You would have to go to every website to input your insurance information, which is why the first method is more popular. To view a list of companies in your area, click here.
  3. The hardest way of comparing rate quotes is to waste gas driving to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you have a need for the trained guidance of a licensed agent. Drivers can comparison shop your insurance online and get advice from an agent in your area. We’ll cover that shortly.

However you get your quotes, make absolute certain that you use the exact same coverage limits on every quote you get. If you compare differing limits it will be very difficult to make a fair comparison for your Volkswagen New Beetle.

Elements that influence Volkswagen New Beetle insurance rates

An important part of buying insurance is that you know some of the elements that go into determining your insurance coverage rates. Understanding what determines base rates allows you to make educated decisions that will entitle you to better insurance coverage rates.

  • Tickets mean higher rates – Your driving record impacts your car insurance rates tremendously. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Just one speeding ticket may increase your cost forty percent or more. Drivers who get dangerous violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent a license revocation.
  • Never go without insurance – Letting your insurance expire will be a quick way to bump up your insurance coverage costs. Not only will rates go up, getting caught without coverage might get you a revoked license or a big fine.
  • Car features impact rates – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
  • Better credit scores mean better rates – Credit score is a large factor in your rate calculation. If your credit rating is lower than you’d like, you could save money insuring your 2006 Volkswagen New Beetle by improving your credit score. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have poor credit.
  • Marriage brings a discount – Being married can get you a discount on insurance coverage. Having a significant other is viewed as being more mature and it’s statistically proven that married drivers get in fewer accidents.
  • Your insurance coverage rates can be influenced by your job – Jobs such as doctors, executives and dentists tend to pay the highest average rates in part from high stress levels and long work days. Other jobs such as actors, historians and retirees have the lowest average rates on New Beetle coverage.
  • Men pay higher rates – Statistics demonstrate that women are safer drivers than men. However, this does not mean women are better drivers. They both are in accidents at about the same rate, but the men have costlier accidents. Men also statistically get cited for more serious violations like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and are penalized with high insurance coverage rates.
  • Pleasure use or commuting – The higher the mileage driven in a year’s time the higher your rates will be. Most insurance companies apply a rate determined by how the vehicle is used. Autos that are left in the garage can get a lower rate than vehicles that are driven to work every day. An improperly rated New Beetle can result in significantly higher rates. Verify your insurance coverage declarations sheet is rated on the correct usage for each vehicle, because it can save money.

Companies offer discounts so take them!

Insuring your fleet can be pricey, but you can get discounts that can drop the cost substantially. Most are applied at quote time, but some must be specifically requested before you get the savings. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Paperless Signup – Some insurance companies will give a small break simply for signing over the internet.
  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount on New Beetle coverage with a few car insurance companies.
  • No Charge for an Accident – A few companies will forgive one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Early Signing – Some companies give discounts for signing up prior to your current policy expiration. This can save 10% or more.

It’s important to understand that some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, car insurance companies aren’t that generous. But any discount will bring down your overall premium however.

Companies that may have some of the above discounts include:

Double check with every prospective company which discounts you may be entitled to. Some discounts might not be offered in your area.

Do I just need basic coverages?

When choosing the right insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different so your insurance should reflect that For instance, these questions may help highlight if your insurance needs will benefit from professional help.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • How do I buy GAP insurance?
  • Can I get a multi-policy discount?
  • Are my friends covered when driving my car?
  • Why am I required to get a high-risk car insurance policy?
  • Do I have coverage when making deliveries for my home business?
  • Is my cargo covered for damage or theft?
  • Is a new car covered when I drive it off the dealer lot?
  • How high should my uninsured/underinsured coverage be in my state?
  • What is an SR-22 filing?

If it’s difficult to answer those questions but you think they might apply to your situation 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 only takes a few minutes and can provide invaluable advice.

Information about specific coverages

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on the average insurance policy.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for collisions

This coverage covers damage to your New Beetle caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a mailbox, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Auto liability insurance

Liability coverage can cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as pain and suffering, attorney fees and structural damage. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for bills for nursing services, funeral costs and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

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

Money doesn’t grow on trees

When shopping online for car insurance, you should never reduce needed coverages to save money. There are many occasions where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that it was a big error on their part. The proper strategy is to buy a smart amount of coverage for the lowest price.

Low-cost 2006 Volkswagen New Beetle insurance can be found both online as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. Some companies don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

You just learned many ways to shop for insurance online. It’s most important to understand that the more you quote, the better your comparison will be. You may be surprised to find that the biggest savings come from a smaller regional carrier. These smaller insurers can often provide lower rates in certain areas compared to the large companies like Allstate or State Farm.

Much more information about car insurance can be found at the links below