View 2001 Volkswagen New Beetle Insurance Quotes

Trying to find the cheapest car insurance rates for your Volkswagen New Beetle? Tired of scraping the payment together each month for car insurance? Your situation is no different than millions of other consumers.

Big-name insurance companies like State Farm, Farmers Insurance, GEICO and Allstate constantly bombard you with catchy ads and it is difficult to ignore the flashy ads and effectively compare rates to find the best deal.

It’s smart to check car insurance prices at least once a year since rates go up and down regularly. Despite the fact that you may have had the best rates for New Beetle coverage last year a different company probably has better rates today. So ignore everything you know about car insurance because we’re going to show you the quickest way to reduce your cost while increasing coverage.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these methods. Buying car insurance is not rocket science. Nevertheless, vehicle owners do need to know the way insurance companies sell online and take advantage of how the system works.

Compare Insurance Coverage Today

There are several ways to compare rate quotes from insurance coverage companies in your area. The easiest way to compare 2001 Volkswagen New Beetle insurance prices is to perform an online rate comparison. This is very easy and can be done in just a few minutes using one of these methods.

The first (and easiest) way to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This easy form keeps you from doing multiple quote forms for each company. A single, simple form will get you price quotes direct from many companies.

A different way to get quotes online requires a visit to each individual company website and request a quote. For instance, let’s assume you want to compare GEICO, Progressive and American Family. You would have to go to every website and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

The least recommended way of getting rate comparisons is to spend time driving to insurance agents’ offices. Buying insurance online can eliminate the need for a local agent unless you prefer the personal advice only provided by licensed agents. Drivers can price shop online but still have the advice of a local agent and we’ll talk about that later.

It’s up to you how you get prices quotes, just make absolute certain that you use apples-to-apples coverages on every quote. If your comparisons have different liability limits you can’t possibly make a fair comparison for your Volkswagen New Beetle. Having just a slight variation in insurance coverages could mean much higher rates. And when quoting insurance coverage, remember that obtaining a wide range of quotes helps locate the best rates.

Verify you’re getting all your discounts

Insurance can cost an arm and a leg, but you may find discounts that you may not even be aware of. Some trigger automatically at the time of purchase, but less common discounts must be specifically requested before you get the savings.

  • Sign Early and Save – Some companies give discounts for switching to them prior to your current policy expiration. It can save you around 10%.
  • Homeowners Savings – Owning a home may trigger a car insurance policy discount because maintaining a house shows financial diligence.
  • Save with a New Car – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you may save at least 10% off all policies.
  • E-sign – Certain companies give back up to $50 for buying your policy online.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% for New Beetle coverage with certain companies.
  • Senior Discount – Mature drivers may receive better car insurance rates for New Beetle coverage.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
  • Claim Free – Drivers who don’t have accidents can save substantially when compared with bad drivers.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as comp or med pay. So when it seems like you would end up receiving a 100% discount, it doesn’t quite work that way. Any qualifying discounts will help reduce your premiums.

Companies who might offer some of the above discounts include:

It’s a good idea to ask each company what discounts are available to you. All car insurance discounts may not apply everywhere.

When should I talk to an agent?

When choosing the best insurance coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that may help you determine if you would benefit from an agent’s advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is business equipment covered while in my vehicle?
  • Do I need motorclub coverage?
  • Do all my vehicles need collision coverage?
  • Am I covered when using my vehicle for business?
  • Is my camper covered by my car insurance policy?
  • What exactly is covered by my policy?
  • What is UM/UIM insurance?
  • Should I waive the damage coverage when renting a car?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Why your Volkswagen New Beetle insurance rates may be high

Smart consumers have a good feel for the rating factors that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay enables informed choices that could result in lower auto insurance prices.

Shown below are a few of the “ingredients” auto insurance companies consider when setting premiums.

  • Lower rates come with age – More mature drivers are more responsible, file fewer claims and tend to be better behind the wheel. Youthful drivers tend to get distracted easily when driving and because of this, their auto insurance rates are much higher.
  • Liability coverage is cheap – Your policy’s liability coverage is the coverage that protects you when you are found liable for causing damage or personal injury in an accident. Liability insurance provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
  • Sex matters – The statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Both sexes have accidents at about the same rate, but the men have costlier accidents. Men also statistically have more aggressive citations like DUI and reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high auto insurance rates.
  • High credit ratings translate to low rates – Your credit score is a large factor in calculating your auto insurance rates. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with lower credit ratings. If your credit score is low, you could save money insuring your 2001 Volkswagen New Beetle by spending a little time repairing your credit.
  • Optional equipment can affect rates – Driving a car with a theft deterrent system can get you a discount on your auto insurance. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your vehicle from being stolen.
  • Safe vehicles cost less to insure – Safer cars get lower rates. The safest vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies and lower rates for you. If the Volkswagen New Beetle has ratings of a minimum four stars on Safercar.gov it may be receiving lower rates.
  • Careful drivers pay lower rates – Drivers who don’t get tickets have lower premiums than their less careful counterparts. Even one speeding ticket can bump up the cost twenty percent or more. Drivers with dangerous tickets such as DUI or reckless driving are required to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.

Specific coverages for a Volkswagen New Beetle

Learning about specific coverages of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on most insurance policies.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Volkswagen New Beetle.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for bills like dental work, rehabilitation expenses, surgery and nursing services. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability

This will cover injuries or damage you cause to a person or their property in an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as loss of income, repair costs for stationary objects, structural damage and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

Collision insurance pays for damage to your New Beetle resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with a tree, sustaining damage from a pot hole, sideswiping another vehicle, backing into a parked car and scraping a guard rail. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive insurance

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

Comprehensive coverage pays for things such as damage from a tornado or hurricane, vandalism and hail damage. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Saving money is sweet as honey

We just covered many ways to shop for 2001 Volkswagen New Beetle insurance online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may be surprised to find that the lowest premiums are with the smaller companies. They can often provide lower rates in certain areas than their larger competitors like State Farm, GEICO and Nationwide.

Affordable insurance can be sourced both online and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. A few companies may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

Even more information is available by following these links: