Lower Your 2010 Volkswagen New Beetle Insurance Rates

Looking for the cheapest car insurance rates for your Volkswagen New Beetle? Have you had enough of not being able to afford each month for car insurance? You are no different than many other drivers. Many insurance companies vie for your insurance dollar, so it can be very hard to choose a insurance company to find the lowest price

It’s a good idea to check car insurance prices quite often because insurance rates change quite often. Despite the fact that you may have had the best rates on New Beetle insurance six months ago other companies may now be cheaper. So block out anything you think you know about car insurance because you’re going to learn how to use the internet to save money, get proper coverage and the best rates.

Quick Auto Insurance Quotes

Most companies allow you to get prices online. Getting online quotes is pretty painless as you simply type in the amount of coverage you want into a form. When complete, the company’s rating system will obtain information on your driving record and credit history and generates pricing information determined by many factors. Being able to quote online makes it a lot easier to compare rates but the time required to go to several different sites and complete many quote forms can get tiresome after awhile. But it’s absolutely necessary to have as many quotes as possible if you want to find a lower rate.

The easy way to compare rates

A more efficient way to lower your rates makes use of a single form to get prices from a bunch of companies at once. The form is fast, reduces the work, and makes online shopping much easier to do. As soon as the form is sent, your coverage is rated and you can choose any one of the quote results.

If the quotes result in lower rates, you can simply submit the application and buy the policy. This process takes just a few minutes to complete and you will find out if you’re overpaying now.

To save time and use this form to compare rates, click here and complete the simple form. To compare your current rates, we recommend you duplicate the coverages as close as possible to your current policy. Using the same limits helps guarantee you will have a price comparison using the same coverage and limits.

Don’t pay full price with these discounts

Car insurance is not cheap, but there could be available discounts to cut the cost considerably. Most are applied when you get a quote, but some must be specially asked for before you get the savings. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Memberships – Affiliation with a civic or occupational organization could qualify you for a break when buying car insurance on New Beetle insurance.
  • Paperwork-free – A handful of insurance companies may give you up to $50 for buying your policy digitally online.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more on New Beetle insurance than less cautious drivers.
  • Multi-car Discount – Insuring more than one vehicle on one policy qualifies for this discount.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount on New Beetle insurance depending on your company.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper compared to insuring an older model.
  • 55 and Retired – Older drivers can possibly qualify for a discount up to 10% on New Beetle insurance.
  • Life Insurance Discount – Some companies give a discount if you purchase auto and life insurance together.
  • Bundle and Save – When you combine your home and auto insurance with one company you may save approximately 10% to 15%.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.

It’s important to note that most discounts do not apply the the whole policy. Some only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, car insurance companies aren’t that generous. Any amount of discount will bring down your premiums.

Car insurance companies that may offer these money-saving discounts include:

Double check with all companies you are considering what discounts are available to you. Savings may not be available in your state.

Why your Volkswagen New Beetle insurance rates may be high

It’s important that you understand the rating factors that help determine your car insurance rates. Knowing what determines base rates allows you to make educated decisions that may reward you with big savings.

  • Safer occupants lowers premiums – Vehicles with high crash test scores can get you lower premiums. These vehicles have better occupant injury protection and better occupant protection means lower claim amounts passed on to you as lower rates. If your Volkswagen scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • How your age affects price – Youthful drivers tend to be more careless when driving so car insurance rates are higher. Adding a youthful driver onto a policy can be very expensive. More mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
  • Discounts for married couples – Being married helps lower the price on car insurance. It translates into being more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
  • Don’t cancel a policy without a new one in place – Driving your car without having proper coverage is a misdemeanor and your next policy will cost more because you let your coverage lapse. And not only will your rates increase, but being ticketed for driving with no insurance may earn you a steep fine or even jail time.

Your personal situation dictates your coverage

When choosing adequate coverage, there is no perfect coverage plan. Each situation is unique so this has to be addressed. For instance, these questions may help highlight if your situation might need professional guidance.

  • What if I don’t agree with a claim settlement offer?
  • Do I need rental car coverage?
  • Is my babysitter covered when using my vehicle?
  • What can I do if my company won’t pay a claim?
  • Do I have coverage when pulling a U-Haul trailer?
  • Why do I only qualify for high-risk insurance?
  • Why is insurance for a teen driver so high?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Coverages available on your policy

Having a good grasp of auto insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are typical coverage types found on the average auto insurance policy.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for expenses for pain medications, nursing services, X-ray expenses, chiropractic care and hospital visits. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This covers damage to your New Beetle resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as driving through your garage door, scraping a guard rail, backing into a parked car, rolling your car and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability car insurance

This protects you from injuries or damage you cause to people or other property. It protects you from legal claims by others. Liability 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. You might see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as court costs, emergency aid and pain and suffering. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

UM/UIM Coverage

This protects you and your vehicle 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.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from a tornado or hurricane, a broken windshield, hail damage and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Compare but don’t skimp

Lower-priced 2010 Volkswagen New Beetle insurance can be bought from both online companies as well as from independent agents, so you should compare both to have the best rate selection. A few companies don’t offer online price quotes and these small, regional companies work with independent agents.

When you buy insurance online, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where an insured dropped liability coverage limits and learned later that a couple dollars of savings turned into a financial nightmare. Your goal should be to find the BEST coverage at the best price, not the least amount of coverage.

More tips and info about car insurance can be found by following these links: