2006 Volkswagen New Beetle Insurance Quotes – 5 Tips to Save

No car owner is fond of buying auto insurance, in particular when they are paying too much. Big companies like Allstate and Progressive constantly bombard you with ads and it is difficult to avoid their marketing magic and take the time to shop coverage around.

It’s important to shop coverage around yearly because prices are constantly changing. If you had the lowest rates for New Beetle coverage a couple years back a different company probably has better premium rates today. You can find a lot of misleading information regarding auto insurance online but in a few minutes you can learn some great ideas on how to lower your auto insurance premiums.

Affordable car insurance rates with discounts

Car insurance is not cheap nor is it fun to buy but there are discounts available that you may not even know about. A few discounts will automatically apply at the time of purchase, but some need to be asked for prior to getting the savings.

• Safety Restraint Discount – Drivers who require all vehicle occupants to wear their seat belts may be able to save a few bucks on medical payment and PIP coverage.
• ABS Braking Discount – Vehicles with ABS and/or traction control are safer to drive so you can save 10 percent or more.
• Defensive Driver Discounts – Successfully completing a defensive driving class may get you a small discount depending on where you live.
• Save with More Vehicles Insured – Buying a policy with primary and secondary vehicles on a single policy can get a discount for every vehicle.
• Drive Safe and Save – Drivers who avoid accidents could pay up to 40% less for New Beetle coverage than their less cautious counterparts.

Discounts lower rates, but most credits do not apply to the entire cost. Most only apply to the cost of specific coverages such as comprehensive or collision. So even though you would think you would end up receiving a 100% discount, car insurance companies aren’t that generous.

To choose providers that can offer you the previously mentioned discounts, follow this link.

How to get cheap insurance coverage

There are several ways to compare insurance coverage quotes, but there is one way that is less time-consuming than others. You can waste a few hours (or days) talking about coverages with local insurance agents in your area, or you can stay home and use online quotes for quick rates.

Many insurance companies take part in a program that enables customers to send in one quote, and at least one company can provide price quotes. This eliminates the need for quotation requests for each company you want a rate for. To submit your quote information now, click here to open in new window.

The one downside to using this type of system is that you can’t choose the insurers to get quotes from. If you prefer to choose specific providers to compare rates, we have assembled a list of insurance coverage companies in your area. Click to view list.

The approach you take is up to you, just try to use the same quote data for each quote you get. If you compare different coverage information it will be nearly impossible to get a fair rate comparison.

Tailor your insurance coverage coverage to you

When buying adequate coverage for your personal vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might help in determining if you will benefit from professional help.

• How can I find cheaper teen driver insurance?
• Do I need PIP (personal injury protection) coverage in my state?
• Does coverage extend to my business vehicle?
• Is rental equipment covered for theft or damage?
• Do I need special endorsements for business use of my vehicle?
• Does coverage extend to a rental car in a foreign country?
• Is my ex-spouse still covered by my policy?
• Why do I only qualify for high-risk insurance?
• Is there coverage for injuries to my pets?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.

Auto insurance coverages 101

Having a good grasp of your auto insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types found on most auto insurance policies.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix 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 can pay for claims such as a tree branch falling on your vehicle, damage from getting keyed, damage from flooding and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision coverage pays for damage to your New Beetle resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with another moving vehicle, rolling your car, backing into a parked car, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

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 hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many 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 very important.

Auto liability insurance

This will cover damages or injuries you inflict on other people or property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for claims like repair costs for stationary objects, repair bills for other people’s vehicles and structural damage. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as surgery, hospital visits, X-ray expenses, ambulance fees and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Feed the piggy bank

As you shop your coverage around, don’t be tempted to buy less coverage just to save a little money. There are too many instances where consumers will sacrifice liability limits or collision coverage to discover at claim time that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at the best possible price while still protecting your assets.

Some insurance companies may not offer the ability to get quotes online and many times these small insurance companies only sell through local independent agencies. Affordable 2006 Volkswagen New Beetle insurance is available online and from local insurance agents, and you should compare rates from both to get a complete price analysis.

More information is available at these links:

• Top Signs Your Brakes are Giving Out (State Farm)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Side Impact Crash Tests (iihs.org)
• Understanding your Policy (NAIC.org)
• Distracted Driving Statistics (Insurance Information Insitute)