2009 Volkswagen New Beetle Insurance Quotes

Looking for the cheapest auto insurance rates for your Volkswagen New Beetle? Are you tired of scraping the payment together each month for car insurance? You’re in the same situation as many other drivers. Lots of insurance companies contend to insure your vehicles, and it can be difficult to compare rates to find the lowest rate possible.

If you have a current insurance policy or need a new policy, you can follow these tips to cut your premiums while maximizing coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers just need to learn the most efficient way to shop their coverage around over the internet.

Car Insurance Comparison Rates

Most major insurance companies provide coverage price quotes directly from their websites. This process is fairly straightforward as you simply type in the amount of coverage you want into a form. Once entered, the company’s rating system sends out for your driving and credit reports and returns pricing information determined by many factors. This streamlines rate comparisons, but the process of having to visit each company’s website and repetitively fill out multiple forms is repetitive and time-consuming. But it’s very important to do this in order to get the best price possible.

The smarter way to get multiple rate quotes is to use a quote form that gets prices from a lot of companies. This type of form saves time, reduces the work, and makes quoting online much more enjoyable. Immediately after submitting the form, it gets priced and you are able to buy your choice of the pricing results. If you find a better price you can click and sign and purchase coverage. The whole process only takes a few minutes and may save quite a bit of money.

If you want to use this form to compare rates, click here to open in a new tab and submit your coverage information. If you currently have coverage, we recommend you type in your coverages identical to your current policy. Doing this assures you will receive a price comparison for exact coverage.

Volkswagen New Beetle rates are in the details

Consumers need to have an understanding of some of the elements that play a part in calculating auto insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that could result in lower auto insurance prices.

Shown below are a few of the “ingredients” that factor into premiums.

  • Do you qualify for a multi-policy discount? – The majority of insurance companies provide better rates to people who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to compare rates to ensure the best deal.
  • Lower miles equals lower premium – Driving more miles in a year the more you’ll pay to insure your vehicle. Most companies rate vehicles based on their usage. Cars and trucks left parked in the garage receive lower rates than those used for commuting. Make sure your auto insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money. Incorrect usage on your New Beetle may be costing you.
  • Older drivers pay less – Teenage drivers are statistically proven to be careless and easily distracted when driving so auto insurance rates are higher. Having to add a young driver onto a policy can be quite pricey. More mature drivers are more cautious drivers, file fewer claims and tend to be better behind the wheel.
  • Battle of the sexes – The statistics show that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. Both sexes are in accidents at about the same rate, but the men have costlier accidents. Men also statistically get cited for more serious violations such as DWI and reckless driving. Teenage male drivers are most likely to cause an accident and are penalized with high auto insurance rates.
  • Where you reside plays a part – Choosing to live in a small town can save you money when it comes to auto insurance. Fewer people means reduced accidents and a lower car theft rate. Drivers in populated areas have to deal with traffic congestion and much longer commute distances. More time on the road means more change of being in an accident.
  • Never let your coverage lapse – Not having insurance is illegal and your next policy will cost more because you let your insurance lapse. And not only will your rates increase, but not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license.You may have to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Rates may be lower depending on your job – Jobs such as real estate brokers, architects and financial analysts tend to have higher average rates due to high stress levels and long work days. Conversely, occupations like scientists, engineers and retirees receive lower rates on New Beetle coverage.

Discounts can save BIG

Companies offering auto insurance don’t always list all available discounts in an easy-to-find place, so the following is a list of both the well known and the more hidden savings tricks you should be using. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Low Mileage Discounts – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can get savings up to 30%.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates on New Beetle coverage than drivers with accident claims.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Accident Free – Claim-free drivers can save substantially as compared to bad drivers.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Driver Safety – Successfully completing a driver safety course can save you 5% or more if your company offers it.

As a disclaimer on discounts, some credits don’t apply the the whole policy. A few only apply to individual premiums such as comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

Companies who might offer these benefits are:

Before buying, ask each insurance company what discounts are available to you. Discounts might not apply in your state.

Will just any policy work for me?

When buying proper insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that may help highlight if your insurance needs would benefit from professional advice.

  • Are rental cars covered under my policy?
  • What is PIP insurance?
  • How do I file an SR-22 for a DUI in my state?
  • Will my rates increase for filing one claim?
  • Am I covered when pulling a rental trailer?
  • What is the difference between comprehensive and collision coverage?
  • Do I have coverage when using my vehicle for my home business?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Insurance specifics

Understanding the coverages of your policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages found on most insurance policies.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like prosthetic devices, X-ray expenses, nursing services and funeral costs. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Auto liability – Liability insurance protects you from damage or injury you incur to a person or their property. This insurance protects YOU against other people’s claims. 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. As an example, you may have limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for claims like loss of income, court costs, structural damage, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage – This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hail damage, rock chips in glass, a broken windshield, damage from getting keyed and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other motorists when they 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 carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

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

Collision coverage protects against claims like rolling your car, colliding with another moving vehicle, sustaining damage from a pot hole, scraping a guard rail and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Quote often and quote early

We covered many ways to save on 2009 Volkswagen New Beetle insurance. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. Drivers may discover the best price on car insurance is with a smaller regional carrier. Smaller companies often have lower prices on specific markets as compared to the big name companies such as State Farm, Geico and Nationwide.

Cheaper insurance can be bought both online and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

Even more information can be found by following these links: