Lower Your 2006 Volkswagen New Beetle Car Insurance Quotes

Looking for better insurance rates for your Volkswagen New Beetle? Having to pay for overpriced insurance can empty your savings account and put the squeeze on your family’s finances. Shopping your coverage around is a smart way to tighten up your finances. There are many auto insurance companies to purchase coverage from, and though it is a good thing to have a selection, it can be more challenging to adequately compare rates.

You should make it a habit to get comparison quotes every six months because rates change frequently. Even if you got the best rates on New Beetle insurance on your last policy you will most likely find a better rate today. Don’t believe everything you read about insurance online but I’m going to show you some great ideas on how to find cheap insurance.

The purpose of this post is to help educate you on how to effectively get price quotes and some tricks to saving. If you currently have car insurance, you will be able to reduce your rates substantially using this information. Drivers just need to learn the proper way to get comparison rates online.

Compare the Market for Insurance

Finding a lower price on 2006 Volkswagen New Beetle insurance can be quick and easy. Consumers just need to take the time to get quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

  1. The most efficient way to find low rates would be an industry-wide quote request form like this one (opens in new window). This easy form saves time by eliminating separate quotation requests for each company you want a rate for. Just one form will get you price quotes from multiple companies.
  2. Another way to get comparison quotes requires you to visit the website for every company you want to comare to request a price quote. For example, we’ll assume you want comparison quotes from Liberty Mutual, Farmers and State Farm. To get each rate you have 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.

Whichever method you choose, compare identical coverage limits for each price quote. If you compare different values for each quote it will be next to impossible to determine the best price for your Volkswagen New Beetle.

Discounts are basically free money

Properly insuring your vehicles can get expensive, but you may find discounts to cut the cost considerably. Some discounts apply automatically when you complete an application, but some must be inquired about before being credited. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Drive Less and Save – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on New Beetle insurance than less cautious drivers.
  • Life Insurance – Select insurance companies reward you with better rates if you take out life insurance from them.
  • College Student – Any of your kids who attend school more than 100 miles from home and do not have a car may be able to be covered for less.
  • Save over 55 – Older drivers may qualify for a small decrease in premiums on New Beetle insurance.
  • Accident Forgiveness – A handful of insurance companies permit an accident before your rates go up as long as you don’t have any claims for a set time period.
  • Homeowners Discount – Owning a house may earn you a small savings because of the fact that having a home demonstrates responsibility.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts will reduce the amount you have to pay.

Companies that may offer these money-saving discounts include:

Check with each insurance company which discounts they offer. Some discounts might not apply in your state.

Why your Volkswagen New Beetle insurance rates may be high

It’s important that you understand the rating factors that play a part in calculating the price you pay for car insurance. Knowing what influences your rates helps enable you to make changes that will entitle you to lower car insurance prices.

Shown below are some of the factors that factor into prices.

  • How credit affects car insurance rates – Credit rating is a huge factor in calculating your car insurance rates. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower credit ratings. If your credit can use some improvement, you could save money insuring your 2006 Volkswagen New Beetle by improving your rating.
  • Battle of the sexes – Statistics show that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. Men and women tend to get into accidents in similar numbers, but the males tend to have more serious accidents. They also get more serious tickets such as reckless driving.
  • Proper usage rating affects rates – The more you drive in a year’s time the more you will pay for car insurance. The majority of insurers price each vehicle’s coverage based upon how you use the vehicle. Cars not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Improper usage on your New Beetle may be costing you. Ask your agent if your car insurance policy is showing the correct driver usage.
  • Big city or small town – Living in a small town can be a good thing when buying car insurance. Drivers who live in large cities regularly have much more traffic and longer commute times. Less people living in that area means reduced accidents as well as less vandalism and auto theft.
  • Your age impacts your rates – Young drivers have a tendency to be careless and easily distracted behind the wheel so they pay higher car insurance rates. Parents adding a young driver onto a policy can be quite pricey. Older drivers are more cautious drivers, file fewer claims and tend to be better behind the wheel.
  • How many coverages with the same company – Many insurance companies will give a discount to customers who have multiple policies with them such as combining an auto and homeowners policy. This can amount to 10 percent or more. Even though this discount sounds good, it’s still a good idea to comparison shop to ensure the best deal. You may still find better rates by buying insurance from more than one company.
  • Safer occupants lowers premiums – Cars with high safety ratings are cheaper to insure. Safe vehicles reduce injuries and any reduction in injury severity translates into savings for insurance companies and lower rates for you. If your Volkswagen New Beetle has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.

Which insurance is the “right” coverage?

When it comes to choosing proper insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that might help in determining whether or not you will benefit from professional help.

  • Does insurance cover tools stolen from my truck?
  • Is a blown tire covered by insurance?
  • Can I rent a car in Mexico?
  • How can I get my company to pay me more for my totalled car?
  • When can my company non-renew my policy?
  • Am I covered when driving someone else’s vehicle?
  • Do I need more liability coverage?
  • What can I do if my company won’t pay a claim?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

The coverage is in the details

Understanding the coverages of insurance can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are the normal coverages found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when the “other guys” 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 Volkswagen New Beetle.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Liability coverages – Liability coverage will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like medical services, repair bills for other people’s vehicles, loss of income and pain and suffering. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as falling objects, damage from flooding and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision – Collision coverage 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 pays for things such as hitting a parking meter, backing into a parked car, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for expenses like pain medications, hospital visits and funeral costs. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Saving money is sweet as honey

As you prepare to switch companies, make sure you don’t skimp on coverage in order to save money. There have been many situations where an insured cut collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The aim is to get the best coverage possible at the best price.

We just presented a lot of ways to get a better price on 2006 Volkswagen New Beetle insurance. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even find the best prices are with an unexpected company. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

Low-cost insurance is possible from both online companies and with local insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

Much more information about auto insurance can be found below: