Lower Your 2008 Volkswagen New Beetle Insurance Quotes

Have you had enough of not being able to afford to insure your Volkswagen every month? You are in the same boat as millions of other consumers.

Because there are so many different company options, it can be hard to find the most affordable provider.

These factors can influence Volkswagen New Beetle insurance rates

It’s important that you understand the different types of things that help determine insurance rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that can help you get better insurance rates.

  • High credit ratings translate to low rates – Your credit history is a huge factor in determining your rates. If your credit is not that good, you could be paying less to insure your 2008 Volkswagen New Beetle by improving your rating. People with high credit ratings tend to be more responsible than drivers who have lower credit scores.
  • How’s your driving record? – Even one speeding ticket can increase rates by twenty percent. Good drivers receive lower rates than bad drivers. If you have serious violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
  • Never let your coverage lapse – Not having insurance is a misdemeanor and as a result your rates will increase for letting your insurance expire. Not only will you pay more, failure to provide proof of insurance will get you a steep fine or even jail time.You may then be required to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Marriage brings a discount – Getting married actually saves money on insurance. Having a significant other usually means you are more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Higher deductibles cost less – Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your Volkswagen from damage. Examples of covered claims would be collision with another vehicle, damage caused by hail, or theft. The deductibles are the amount of money you are required to spend out-of-pocket if you file a covered claim. The more expense you’re willing to pay, the less your company will charge you for insurance on New Beetle coverage.
  • You might want pay the small claims yourself – Insurance companies give lower rates to insureds who do not file claims often. If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Car insurance is designed for major claims that would cause financial hardship.

Get lower rates on Volkswagen New Beetle insurance

Car insurance companies don’t list every available discount in a way that’s easy to find, so we researched some of the more common and the more hidden savings tricks you should be using.

  • Passive Restraints – Factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Claim Free – Good drivers with no accidents pay much less when compared with drivers who are more careless.
  • Discount for Life Insurance – Larger companies have lower rates if you buy life insurance from them.
  • Memberships – Participating in a professional or civic organization could qualify you for a break on your policy on New Beetle coverage.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on New Beetle coverage with certain companies.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way.

To see a list of providers offering car insurance discounts, click here.

Tailor your coverage to you

When choosing the best car insurance coverage for your vehicles, there is no best way to insure your cars. Every insured’s situation is different so your insurance should reflect that These are some specific questions may help highlight whether your personal situation would benefit from professional advice.

  • Does liability extend to a camper or trailer?
  • Where can I find DUI or SR-22 insurance?
  • How do I file an SR-22 for a DUI in my state?
  • How does medical payments coverage work?
  • Who is covered when they drive my 2008 Volkswagen New Beetle?
  • Do I need PIP (personal injury protection) coverage in my state?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverage information

Having a good grasp of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by car insurance companies.

Collision coverage protection

Collision coverage pays for damage to your New Beetle caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, scraping a guard rail, sideswiping another vehicle, colliding with a tree and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a broken windshield, vandalism, hail damage, theft and a tree branch falling on your vehicle. The most 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.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses for pain medications, hospital visits, surgery, ambulance fees and dental work. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability car insurance

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

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for claims such as legal defense fees, repair bills for other people’s vehicles, medical expenses, court costs and funeral expenses. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Volkswagen New Beetle.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Be a money saver!

Lower-priced 2008 Volkswagen New Beetle insurance is possible on the web and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers may not provide online quoting and most of the time these small insurance companies sell through independent agents.

We’ve covered many ideas to shop for insurance online. The key thing to remember is the more times you quote, the higher your chance of finding lower rates. Drivers may discover the lowest priced car insurance comes from a lesser-known regional company. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate or State Farm.

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