Want cheaper auto insurance rates for your Volkswagen New Beetle? Nobody cherishes buying auto insurance, especially knowing the cost is too high. Lots of auto insurance companies contend for your insurance dollar, so it can be very hard to choose a company and get the definite lowest rate possible.
Smart consumers take time to do rate comparisons once or twice a year since rates change quite often. Even if you think you had the best deal for New Beetle coverage two years ago you can probably find a lower rate today. There is a lot of wrong information about auto insurance online but by reading this article, you’re going to learn some good information on how to slash your auto insurance rates.
There are multiple methods to shop for 2000 Volkswagen New Beetle auto insurance, and some are easier and takes less work. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you can stay home and use the web to maximize your effort.
Many of the larger companies belong to an insurance system where prospective buyers submit their information once, and each company can provide price quotes based on that data. This prevents consumers from doing quote requests to each individual auto insurance company.
To participate in this free quote system, click here (opens in new window).
One minor caviat to using this type of form is you are unable to specify which providers you will receive quotes from. If you wish to select from a list of companies for rate comparison, we have a page of auto insurance companies in your area. View list of insurance companies.
Which method you use is up to you, but be sure to compare exactly the same coverages and limits for each price quote. If your comparisons have different limits and deductibles on each one it will be very difficult to find the best deal for your Volkswagen New Beetle.
Car insurance can cost a lot, buy you may qualify for discounts that you may not even be aware of. Some discounts apply automatically at the time you complete a quote, but a few need to be asked about before being credited. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.
Consumers should know that most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will reduce the amount you have to pay.
To see a list of insurers offering insurance coverage discounts, click here.
When it comes to choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions may help you determine whether or not you will benefit from professional help.
If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and may give you better protection.
Learning about specific coverages of a auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement. Listed below are the usual coverages found on most auto insurance policies.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance pay for expenses for things like nursing services, X-ray expenses, chiropractic care and ambulance fees. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
This coverage can cover damage or injury you incur to a person or their property. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit without having the split limit caps.
Liability insurance covers claims like medical services, court costs, funeral expenses, structural damage and legal defense fees. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.
Uninsured and underinsured coverage
This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Volkswagen New Beetle.
Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are set the same as your liablity limits.
Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as vandalism, a tree branch falling on your vehicle, damage from flooding and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Collision coverage covers damage to your New Beetle resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like sideswiping another vehicle, colliding with a tree, crashing into a ditch, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.