Save on 2004 Volkswagen New Beetle Insurance Rates

Want cheaper insurance rates for your Volkswagen New Beetle? Nobody likes paying for insurance, especially when their premiums are too high.

Popular companies such as State Farm, Progressive and GEICO persitently shower you with catchy ads and it is difficult to avoid their marketing magic and do the work needed to find the best deal.

You should take the time to take a look at other company’s rates every six months because prices change regularly. Even if you got the best price for New Beetle coverage a year ago a different company probably has better rates today. Ignore everything you know about insurance because I’m going to let you in on the secrets to the tricks you need to know to properly buy coverages while reducing your premium.

If you currently have car insurance, you will most likely be able to cut costs considerably using these techniques. Finding affordable coverage is quite easy. Although car owners need to have an understanding of how big insurance companies determine prices.

How to Compare Insurance Coverage Quotes

There are several ways of comparing rates from different insurance companies. One of the best ways to find the lowest 2004 Volkswagen New Beetle rates is to use the internet to compare rates. This can be done in a couple of different ways.

The recommended way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This form saves time by eliminating boring form submissions to each individual insurance coverage company. Taking the time to complete one form will get you rate comparisons from many national carriers.

A different way to compare prices requires a visit to each company website and request a quote. For example, let’s say you want to compare Progressive, 21st Century and GEICO. To find out each rate you need to take the time to go to each site to input your insurance information, which is why the first method is quicker.

For a list of links to insurance companies in your area, click here.

The least efficient way of getting rate comparisons is to drive around to local insurance agencies. The ability to buy insurance online makes this process obsolete unless you have a need for the professional guidance that only a license agent can provide. You can, however, price shop online but buy from a local insurance agent.

Whichever way you use, ensure you’re using exactly the same coverage limits for every company. If you are comparing different liability limits it’s not possible to make an equal comparison. Quoting even small variations in coverage limits can mean a large discrepancy in price. And when quoting insurance coverage, remember that quoting more will improve the odds of getting the best rates.

Will just any policy work for me?

When it comes to choosing the best auto insurance coverage for your vehicles, there really is no one size fits all plan. Each situation is unique so this has to be addressed. These are some specific questions might point out if your insurance needs will benefit from professional help.

  • Is rental equipment covered for theft or damage?
  • When should I drop full coverage on my 2004 Volkswagen New Beetle?
  • Are my friends covered when driving my car?
  • Am I covered when driving in Canada or Mexico?
  • How do I file an SR-22 for a DUI in my state?
  • How much liability insurance is required?
  • Does my policy cover me when driving someone else’s vehicle?
  • When would I need additional glass coverage?
  • Is a new car covered when I drive it off the dealer lot?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Car insurance coverages for a Volkswagen New Beetle

Learning about specific coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average insurance policy.

Liability insurance

This coverage provides protection from damage that occurs to other people or property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things like funeral expenses, structural damage, pain and suffering and bail bonds. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2004 Volkswagen New Beetle.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as vandalism, a tree branch falling on your vehicle, hitting a deer and damage from getting keyed. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills like doctor visits, funeral costs, EMT expenses and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like hitting a mailbox, damaging your car on a curb, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.