Looking for lower insurance rates for your Volkswagen New Beetle? Feel like you’re a prisoner to high-priced insurance? Trust us when we tell you you’re not alone.
Online insurance companies like GEICO, Progressive and Allstate constantly blast consumers with fancy advertisements and it can be hard to see past the geckos and flying pigs and effectively compare rates to find the best deal.
If you currently have a car insurance policy, you will be able to lower your premiums substantially using these techniques. Buying car insurance is not that difficult. But drivers do need to understand the way insurance companies sell insurance online and use this information to your advantage.
Companies don’t always list every discount in a way that’s easy to find, so we break down both well-publicized and the more hidden ways to save on auto insurance.
A little note about advertised discounts, most discount credits are not given to all coverage premiums. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, it doesn’t quite work that way.
For a list of insurance companies offering auto insurance discounts, follow this link.
When it comes to choosing the right insurance coverage, there isn’t really a one size fits all plan. Each situation is unique so this has to be addressed. For instance, these questions may help highlight if you might need professional guidance.
If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier
Allstate, GEICO and Progressive regularly use ads on TV and radio. All the companies have a common claim that you’ll save big if you move your coverage to them. But how can every company claim to save you money? This is how they do it.
All the different companies have a certain “appetite” for the driver that makes them money. For instance, a desirable insured might be profiled as between 25 and 40, has no prior claims, and drives less than 10,000 miles a year. A driver that hits that “sweet spot” will qualify for the lowest rates and therefore will save when they switch companies.
Potential customers who fall outside the “perfect” profile will be quoted higher prices and ends up with the customer not buying. The ads say “customers that switch” not “people who quote” save that much money. This is how companies can advertise the savings. This emphasizes why drivers should get as many comparisons as possible. It’s impossible to know which insurance coverage company will give you the biggest savings on Volkswagen New Beetle insurance.
Learning about specific coverages of insurance helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by insurance companies.
Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.
Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
This can cover damages or injuries you inflict on a person or their property. It protects YOU against other people’s claims, 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 liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage protects against things such as bail bonds, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.
This will pay to fix damage to your New Beetle caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision coverage protects against things such as backing into a parked car, sustaining damage from a pot hole, scraping a guard rail and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.
Med pay and PIP coverage provide coverage for immediate expenses for things like X-ray expenses, funeral costs, doctor visits and ambulance fees. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible
This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like a broken windshield, hail damage and damage from getting keyed. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Discount 2002 Volkswagen New Beetle insurance is available online as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some car insurance companies don’t offer online price quotes and many times these small insurance companies only sell through independent insurance agents.
As you go through the steps to switch your coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your goal should be to find the BEST coverage at an affordable rate.
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