2004 Volkswagen New Beetle Car Insurance Quotes – 6 Tips for Cheaper Rates

Trying to find the cheapest auto insurance rates for your Volkswagen New Beetle? Are you tired of being strong-armed to pay your car insurance bill each month? You’re in the same situation as many other consumers. Having so many insurance providers from which to choose, it is hard for the average consumer to pick the best car insurance company.

Lots of discounts mean lots of savings

Properly insuring your vehicles can get expensive, but you may find discounts to reduce the price significantly. Most are applied at the time of purchase, but a few must be specifically requested in order for you to get them. If you don’t get every credit you deserve, you are throwing money away.

  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • New Car Discount – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for New Beetle coverage than less cautious drivers.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.

Keep in mind that most credits do not apply to the entire policy premium. Most cut specific coverage prices like collision or personal injury protection. So despite the fact that it appears you could get a free insurance policy, insurance companies aren’t that generous. But any discount will help reduce your premiums.

To see a list of companies with discount insurance rates, follow this link.

Insurance Quote Comparison

Finding a better price on insurance is not rocket science. All that’s required is to take a couple of minutes to get quotes provided by online insurance companies. This can be accomplished using a couple different methods.

  1. The fastest way to get quotes is a comparison rater form like this one (opens in new window). This form saves time by eliminating repetitive form submissions to each individual insurance company. Completing one form gets you coverage quotes instantly.
  2. A more difficult way to compare rate quotes requires you to visit each company’s website to complete a price quote. For instance, let’s assume you want to compare rates from Liberty Mutual, Allstate and Geico. To find out each rate you need to go to every website to input your insurance information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
  3. The least efficient method to get comparison rates is to spend your day driving to and from local insurance agencies. Buying insurance online has reduced the need for local agents unless you require the professional guidance of a local agent. Drivers can comparison shop online but buy from a local insurance agent and we’ll talk about that later.

Whichever method you choose, ensure you are comparing the exact same coverages and limits on every quote you get. If you are comparing unequal deductibles or liability limits then you won’t be able to determine the lowest rate for your Volkswagen New Beetle.

Situations that might require an agent

When buying the best insurance coverage, there really 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 might help in determining if you might need professional guidance.

  • Can my teen drive my company car?
  • Will my insurance pay for OEM parts?
  • Is rental equipment covered for theft or damage?
  • Should I rate my 2004 Volkswagen New Beetle as pleasure use or commute?
  • How much liability do I need to cover my assets?
  • Is my custom paint covered by insurance?
  • Does liability extend to a camper or trailer?
  • When should my teen driver be added to my policy?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Can switching companies really save?

Consumers constantly see and hear ads that promise big savings from the likes of Allstate and Progressive. They all seem to make the same claim of big savings if you move your coverage to them.

How do they all claim to save you money?

All companies have a preferred profile for the right customer that earns them a profit. A good example of a desirable insured might be over the age of 40, owns a home, and drives less than 10,000 miles a year. A customer who fits that profile is entitled to the best price and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who do not match the “perfect” profile will be quoted more money which usually ends up with business not being written. The ads say “customers who switch” not “people who quote” save that kind of money. That is how companies can truthfully claim big savings.

This emphasizes why you absolutely need to compare many company’s rates. You cannot predict the company that will have the lowest Volkswagen New Beetle insurance rates.

Car insurance coverages for a Volkswagen New Beetle

Knowing the specifics of your insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverages found on most insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 2004 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. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, vandalism, a broken windshield, damage from a tornado or hurricane and hitting a deer. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages

This coverage protects you from damages or injuries you inflict on a person or their property. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as legal defense fees, medical expenses, repair costs for stationary objects, loss of income and structural damage. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for expenses like dental work, surgery, pain medications, ambulance fees and rehabilitation expenses. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and also covers getting struck while 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

This covers damage to your New Beetle caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like hitting a mailbox, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Final considerations

Throughout this article, we presented a lot of ways to compare 2004 Volkswagen New Beetle insurance prices online. The most important thing to understand is the more companies you get rates for, the better your comparison will be. Consumers could even find that the lowest rates come from a small local company. They can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, Geico and Progressive.

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. In many instances, drivers have reduced comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. The proper strategy is to find the BEST coverage at an affordable rate, not the least amount of coverage.

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