Cheaper 2008 Volkswagen New Beetle Insurance Quotes

Trying to find the cheapest insurance rates for your Volkswagen New Beetle? Searching for the cheapest insurance for your Volkswagen New Beetle can be an all-consuming task, but you can learn our insurance buying tips to make it easier. There are more efficient ways to find insurance online so we’re going to tell you the proper way to price shop coverage for your Volkswagen and find the cheapest rates from both online companies and local agents.

It is always a good idea to do rate comparisons yearly since insurance prices fluctuate regularly. Even if you think you had the best rates on New Beetle coverage a couple years back the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about insurance because you’re about to find out one of the easiest ways to eliminate unnecessary coverages and save money.

Compare free insurance rate quotes

Getting cheaper 2008 Volkswagen New Beetle insurance pricing can be surprisingly simple. The only requirement is to invest a little time comparing rates from different insurance companies. You can get a good selection of rate quotes in just a few minutes using one of these methods.

1. The easiest and least time consuming way to find low rates would be an industry-wide quote request form click here to open form in new window. This style of form saves time by eliminating boring form submissions for each company you want a rate for. In just a few minutes this one form compares rates from several companies. It’s definitely the quickest method.
2. A harder way to find better pricing requires visiting each company’s website to complete their respective quote request forms. For sake of this example, let’s assume you want to see prices from Nationwide, Esurance and Travelers. To get rate quotes you would need to go to each individual site and repeatedly enter your information, which is why most consumers use the first method.

   For a list of links to companies insuring cars in your area, click here.

3. The hardest method to compare rates to insurance agencies in your area. The ability to get quotes online makes this process obsolete unless you prefer the trained guidance only provided by licensed agents. Drivers can price shop online but have a local agent actually write the policy.

Whichever way you use, try to use the same information on every price quote you get. If you have different liability limits it will be nearly impossible to find the best deal for your Volkswagen New Beetle.

Get lower rates by taking advantage of discounts

Buying car insurance is not cheap, but you may find discounts that you may not know about. A few discounts will automatically apply when you complete an application, but a few need to be inquired about before you will receive the discount.

• Data Collection Discounts – Insureds who allow driving data collection to look at vehicle usage by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they have good driving habits.
• Memberships – Having an affiliation with certain professional organizations is a simple method to lower premiums on your next car insurance statement.
• College Student Discount – who are attending college and leave their car at home can receive lower rates.
• Claim Free – Drivers with accident-free driving histories pay much less in comparison to frequent claim filers.
• Theft Deterent System – Vehicles that have factory alarm systems and tracking devices can help prevent theft and will qualify for a discount on a insurance quote.
• Good Grades Discount – Performing well in school can save 20 to 25%. Many companies even apply the discount to college students up to age 25.

It’s important to note that some of the credits will not apply to your bottom line cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like you can get free auto insurance, it just doesn’t work that way.

A few companies who may offer most of the discounts above are:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• Geico
• AAA

Before you buy a policy, ask each insurance company which discounts you qualify for. Some credits may not apply in your area. If you would like to see a list of companies who offer discounts, follow this link.

Good decisions result in lower insurance rates

An important part of buying insurance is that you know the different types of things that help determine your car insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that can help you get cheaper rates.

The following are some of the factors companies use to determine premiums.

• Pay more out-of-pocket – Physical damage coverage, also called comprehensive and collision insurance, covers damage that occurs to your Volkswagen. Examples of covered claims would be collision with another vehicle, hail damage, and burglary. The deductibles you choose define how much you are required to spend out-of-pocket if a claim is determined to be covered. The more money the insured is willing to pay, the lower your rates will be on New Beetle coverage.
• Extra coverages can add up – There are many optional add-on coverages that can add up on your car insurance policy. Coverages for replacement cost coverage, towing, and motor club memberships could be just wasting money. These coverages may sound good when buying your policy, but if you don’t need them eliminate the coverages to reduce your premium.
• High premiums for youthful drivers – Teenage drivers have a tendency to get distracted easily when driving with friends so car insurance rates are higher. Parents adding a inexperienced driver to your car insurance policy can increase premiums substantially. Mature drivers have been proven to be more responsible, are lower risk to insure .
• Multi-policy discounts can save money – Most major companies give a discount to clients that buy multiple policies, otherwise known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even if you’re getting this discount you may still want to compare other insurance prices to ensure the best deal.There is a chance you can find a better deal by insuring with multiple companies.
• Poor driving habits leads to higher premiums – Having a clean driving record has a big impact on rates. Good drivers pay less for auto insurance than their less careful counterparts. Getting just one ticket could increase your next policy renewal twenty percent or more. Drivers unfortunate enough to have severe citations like reckless driving or DUI might be required by their state to complete a SR-22 with their state in order to drive a vehicle legally.
• Marriage can save on car insurance – Walking down the aisle may cut your premiums when shopping for car insurance. Marriage is viewed as being more mature and responsible and it’s proven that being married results in fewer claims.
• Fewer miles means better costs – The more miles you rack up on your Volkswagen each year the more you’ll pay to insure it. The majority of insurers price each vehicle’s coverage based upon how you use the vehicle. Cars that have low annual miles cost less to insure than those that get driven frequently. An improperly rated New Beetle can result in significantly higher rates. It’s a smart idea to ensure your declarations sheet reflects the correct driver usage.
• Alarm systems save money – Owning a car with a theft deterrent system can earn a premium discount. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop your car from being stolen.

How much car insurance do I need?

When buying the right insurance coverage, there really is not a one size fits all plan. Every situation is different.

For instance, these questions can aid in determining if your insurance needs will benefit from professional help.

• What is the rate difference between pleasure use and commuting?
• Is other people’s property covered if stolen from my vehicle?
• Do I need higher collision deductibles?
• Does my policy pay for OEM or aftermarket parts?
• Do I need replacement cost coverage?
• Are split liability limits better than a combined single limit?
• Is extra glass coverage worth it?
• Is my 2008 Volkswagen New Beetle covered for flood damage?
• Is business equipment covered while in my vehicle?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Coverages available on your auto insurance policy

Knowing the specifics of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Auto collision coverage

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

Collision coverage protects against claims like rolling your car, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like vandalism, damage from getting keyed, damage from a tornado or hurricane and damage from flooding. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability insurance

This provides protection from damages or injuries you inflict on other people or property that is your fault. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

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 policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as court costs, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as funeral costs, rehabilitation expenses, pain medications and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

A little work can save a LOT of money

In this article, we covered a lot of information how to compare 2008 Volkswagen New Beetle insurance car insurance rates online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding cheaper insurance. Consumers may even find the biggest savings come from a small local company.

As you prepare to switch companies, it’s a bad idea to skimp on coverage in order to save money. In too many instances, drivers have reduced full coverage and found out when filing a claim that it was a big mistake. Your aim should be to find the BEST coverage at the best price.

People change insurance companies for a number of reasons such as policy non-renewal, not issuing a premium refund, denial of a claim and unfair underwriting practices. No matter why you want to switch, switching companies is pretty simple and you could end up saving a buck or two.

For more information, link through to the following helpful articles:

• Credit and Insurance Scores (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)
• How to Avoid Staged Accidents (State Farm)
• Senior Drivers (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)