Popular since the 1960s, the Volkswagen Beetle has long been a favorite in the used car market. The introduction of the “New Beetle” in the past decade brought Bugs to a whole new demographic. Insurance for this German import averages around $900 a year.
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Your insurance premium will vary from the national average depending on several factors, including where you live and your personal driving habits.
What’s so special about a VW Bug?
Though Volkswagen began producing the Beetle in the 1930s, it became popular in the United States in the 1950s and 1960s. The powerful engine designed for the Autobahn in a small car was an exhilarating addition to a market inundated with large muscle cars. The unusual design of the car with the engine in the rear and the dome shaped roof was eye-catching and unforgettable.
In 1998, VW began selling the “New Beetle.” This new car drew heavily from the iconic features of the original Bug.
The dome-shaped roof was the most recognizable carry-over. However, this new generation of Beetles had many modern redesigns. The engine was relocated to the front and was turbo charged. Options like sun roofs and convertibles were offered.
The New Beetle, like its predecessor, was a breath of fresh air to the car market. The sedans of the late ’90s had begun to become standardized, looking all the same. The Bug brought a retro vibe to the market.
The Volkswagen Bug was not only a fun, sporty car, but the unique dome-shaped roof provided plenty of head room. Thus the car appeals not only to those with fond memories of the older Bug, but to those who want a small, fuel efficient car but who are too tall to fit comfortably in most small cars.
In 2011, the New Beetle design is giving way to a redesign. Starting in 2012, VW is producing what the company is calling the “21st Century Beetle.” It has a sleeker profile with a lower roof line.
What features of the VW Bug affect insurance costs?
Volkswagen is a German company. Parts are imported and many repair shops won’t work on VWs. This makes replacements costs more expensive than similarly sized domestic cars, which tends to raise premium rates.
The Insurance Institute for Highway Safety has awarded the New Beetle the highest rating of “Good” in its off-set frontal crash tests. This helps lower premiums, as safer cars are less expensive to insure.
Newer Beetles come equipped with front and side airbags and four-wheel anti-lock brakes. They also sport both traction and stability control. The next generation Beetle also uses brake assist technology to enable quicker stopping.
When getting a quote for a VW Bug, be sure to get a list of the exact safety features your car has, so the agent can provide you with as many discounts for the car as possible.
How can I save money on my insurance?
When insurance companies determine your premium costs, there are several factors they use to formulate that number. Some of them have nothing to do with you personally, but the area in which you live. If you live in an area with a high crime rate, expect to pay a bit more. People who live in large cities also pay more than those who live in rural areas.
Demographics play a part as well. Women usually pay lower premiums than men do. Older drivers pay less than young adult drivers, and married people pay less than single people.
Obviously, if you have several tickets and accidents on your driving record, your premiums will be higher as well.
There are ways to save on these premiums no matter who you are. Car insurance companies have many discounts they offer: senior citizens, military, college student, clean driving record, etc. Ask your agent to go over available discounts with you to make sure you are taking advantage of them.
You can receive a large discount if you buy multiple policies from the same company. If you have more than one vehicle, including motorcycles or boats, homeowner’s or renter’s insurance, or need life insurance, get quotes for insuring them all with the same company. You’ll save big not just on the car insurance, but on all the policies.
Get quotes from more than one company. Premiums can vary widely among different companies, so comparing prices will help you make the wisest decision about your car insurance.
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