Lower Your 2009 Volkswagen New Beetle Insurance Quotes

Trying to find cheaper car insurance rates for your Volkswagen New Beetle? Nobody I know enjoys paying for car insurance, especially when they are paying too much.

Consumers have many auto insurance companies to pick from, and though it is a good thing to be able to choose, it can be more difficult to adequately compare rates.

Smart consumers take time to price shop coverage quite often since insurance rates fluctuate regularly. Just because you had the best rates for New Beetle coverage last year you will most likely find a better rate today. Starting right now, ignore everything you know about car insurance because we’re going to show you the things you must know in order to reduce your cost while increasing coverage.

Shopping for the best car insurance coverage is simple if you know the tricks. In a nutshell, every vehicle owner who has to buy car insurance will most likely be able to reduce their rates. Although vehicle owners do need to know the methods companies use to sell online and apply this information to your search.

Compare the Market for Auto Insurance

The are a couple different ways of comparing rates from auto insurance companies in your area. The easiest way to find the cheapest 2009 Volkswagen New Beetle insurance rates consists of obtaining rate quotes online. This can be accomplished in several different ways.

  • The easiest and least time consuming way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This easy form eliminates the need for separate quotes for each company. A single, simple form gets rate comparisons from many national carriers.
  • A more time consuming way to get quotes online is going to each individual company website and request a quote. For sake of this example, let’s say you want to compare rates from Progressive, Liberty Mutual and GEICO. To get rate quotes you would need to take the time to go to each site to input your insurance information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make sure you use identical coverage information with every price quote. If your comparisons have different values for each quote it’s impossible to make an equal comparison. Quoting even small variations in limits may result in a large different in cost. Just remember that quoting more provides better odds of finding a better price.

Save big with these discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available to help offset the cost. Most are applied when you purchase, but less common discounts must be specially asked for before you get the savings.

  • Sign Early and Save – Select companies give a discount for switching policies before your current expiration date. It can save you around 10%.
  • Safety Course Discount – Taking a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • No Claims – Good drivers with no accidents pay less when compared with frequent claim filers.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save up to 15% off your medical payments premium.
  • E-sign – A handful of insurance companies may give you up to $50 for buying your policy on their website.
  • Clubs and Organizations – Affiliation with a civic or occupational organization may earn a discount on car insurance for New Beetle coverage.

Keep in mind that most discount credits are not given to the overall cost of the policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, companies don’t profit that way. But any discount will cut the cost of coverage.

Companies who might offer these money-saving discounts include:

It’s a good idea to ask all companies you are considering which discounts they offer. Savings might not be offered everywhere.

But I don’t know anything about car insurance

When buying adequate coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that may help you determine whether or not you might need an agent’s assistance.

  • Is business property covered if stolen from my car?
  • Will my insurance pay for OEM parts?
  • What is the ISO rating for a 2009 Volkswagen New Beetle?
  • What is PIP insurance?
  • Can I afford to buy a different vehicle if my 2009 Volkswagen New Beetle is totaled?
  • How does medical payments coverage work?
  • When should my teen driver be added to my policy?
  • Should I bundle my homeowners policy with my auto?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my ex-spouse still covered by my policy?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Elements that influence Volkswagen New Beetle insurance rates

Consumers need to have an understanding of the different types of things that help determine your car insurance rates. Knowing what influences your rates allows you to make educated decisions that may reward you with lower car insurance prices.

  • An active claims history can cost you – If you are a frequent claim filer, you can expect higher rates. Auto insurance companies provide better rates to insureds who are claim-free. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Credit scores impact car insurance rates – Having a bad credit history is a huge factor in determining your rates. If your credit score is not that good, you could be paying less to insure your 2009 Volkswagen New Beetle by spending a little time repairing your credit. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower credit scores.
  • Men pay higher rates – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that men are WORSE drivers than women. Men and women are in accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations like reckless driving and DUI.
  • Mature drivers pay less – Youthful drivers tend to be careless and easily distracted when behind the wheel so car insurance rates are higher. Older insureds are more cautious drivers, statistically cause fewer accidents and receive fewer citations.

Auto insurance coverages explained

Knowing the specifics of a auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages available from auto insurance companies.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses for pain medications, chiropractic care and surgery. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This will pay to fix damage to your New Beetle resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like sideswiping another vehicle, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Auto liability insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as legal defense fees, funeral expenses and structural damage. How much coverage you buy is up to you, but buy as large an amount as possible.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Volkswagen New Beetle.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive (Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, rock chips in glass and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Smart shoppers get results

Lower-priced 2009 Volkswagen New Beetle insurance can be sourced online and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance coverage companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

When you buy insurance online, it’s not a good idea to sacrifice coverage to reduce premiums. In too many instances, an insured cut physical damage coverage only to discover later they didn’t have enough coverage. The ultimate goal is to get the best coverage possible at the best price while still protecting your assets.

We covered quite a bit of information on how to lower your insurance rates. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. You may be surprised to find that the lowest priced insurance coverage comes from a small local company. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, GEICO and Progressive.

To read more, take a look at the resources below: