Cheaper 1991 Volkswagen Passat Insurance Rates

Looking for lower insurance rates? Shoppers have lots of choices when shopping for the best price on Volkswagen Passat insurance. You can either waste hours calling around trying to get quotes or save time using the internet to make rate comparisons.

There is a better way to find insurance online and we’ll show you the proper way to compare rates for a new or used Volkswagen and locate the cheapest rates from local insurance agents and online providers.

It’s important to compare rates before your policy renews due to the fact that insurance prices change frequently. Just because you found the best rates on Passat insurance on your last policy other companies may now be cheaper. Block out anything you think you know about insurance because you’re going to get a crash course in how to use the internet to remove unneeded coverages and save money.

Why your insurance rates might be higher

When buying insurance it’s important to understand a few of the rating criteria that help determine the rates you pay for insurance. When consumers understand what influences your rates, this allows you to make good choices that can help you get lower premium levels. Multiple criteria are taken into consideration when pricing auto insurance. A few of the factors are predictable like an MVR report, but others are more obscure like where you live and annual miles driven.

The following are some of the major factors companies use to determine your prices.

• High comp and collision deductibles save money – Comp and collision deductibles define how much the insured will be required to pay in the event of a claim. Physical damage protection, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. A few examples of covered claims are a windshield broken by a bird, vandalism, or theft of your vehicle. The more money you choose to pay out-of-pocket, the less your company will charge you for insurance on Passat insurance.
• Eliminate unneeded incidental coverages – There are many additional extra coverages that you can buy when buying insurance. Things like rental car coverage, towing, and additional equipment coverage may not be needed and are just wasting money. They may seem like a good idea when buying your policy, but now you might not need them so eliminate the coverages to reduce your premium.
• More stress means more cost – Occupations like real estate brokers, architects and medical professionals generally pay higher rates than the rest of us due to high stress and lengthy work days. On the flip side, professions such as farmers, students and homemakers get better rates on Passat insurance.
• lapses raise insurance rates – Allowing your insurance policy to lapse is a quick way to increase your rates. In addition to paying higher rates, being ticketed for driving with no insurance might get you fines and jail time. You may need to provide proof of insurance in the form of an SR-22 filing with your state DMV.

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Affordable insurance

There are a variety of methods to compare insurance quotes, but some are easier and takes less work. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you can utilize the internet to get pricing more quickly.

Many companies participate in an industry program that enables customers to only type in their quote data once, and at least one company returns a rated price determined by their information. This eliminates the need for repetitive form submissions for every insurance company.

To compare rates using this form now click here to open in new window.

The only drawback to using this type of system is that consumers can’t choose the insurers you will receive quotes from. If you wish to select individual companies to compare rates, we have a listing of the cheapest insurance companies in your area. View list of insurance companies.

The approach you take is up to you, just make absolute certain that you use apples-to-apples coverage data for each quote you get. If you use different coverage information it will be nearly impossible to make a fair comparison for your Volkswagen Passat.

Insurance coverage myths debunked

Consumers get pounded daily by advertisements for insurance coverage savings by Geico, State Farm and Progressive. They all make the same claim that drivers will save a bundle just by switching your coverage to them.

How does every insurance coverage company make the same claim? This is the trick they use.

Insurance companies have strict underwriting profiles for the type of driver that will not have excessive claims. For instance, a profitable insured might have to be a female over age 40, has few claims, and has excellent credit. Someone that meets those criteria is entitled to the best price and will also save quite a bit of money when switching.

Potential customers who cannot meet the requirements may be forced to pay more expensive rates which results in the prospect going elsewhere. The trick companies use is to say “customers who switch” not “everyone that quotes” save that much money. That’s the way companies can claim big savings.

Each company has different criteria, so you absolutely need to quote coverage with many companies. It is impossible to predict with any certainty which company will fit your personal profile best.

Verify you’re applying every discount

Car insurance is expensive, but there are discounts available that many consumers don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but a few need to be specially asked for prior to receiving the credit.

• Federal Employees – Active or retired federal employment can save as much as 8% on Passat insurance depending on your company.
• Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase some life insurance too.
• Payment Discounts – If you can afford to pay the entire bill rather than paying in monthly installments you may have a lower total premium amount.
• Senior Citizens – Drivers that qualify as senior citizens can possibly qualify for a discount up to 10% on Passat insurance.
• Driving Data Discount – Insureds who allow their insurance company to scrutinize when and where they use their vehicle by using a telematic data system such as Progressive’s Snapshot may get a rate reduction if they have good driving habits.

It’s important to note that some of the credits will not apply to the entire policy premium. Most only apply to the cost of specific coverages such as collision or personal injury protection. Even though the math looks like you could get a free car insurance policy, companies don’t profit that way.

Companies and some of the premium reductions they offer are detailed below.

• Farm Bureau includes discounts for 55 and retired, multi-policy, safe driver, renewal discount, and good student.
• MetLife may offer discounts for defensive driver, accident-free, claim-free, good driver, multi-policy, good student
• Progressive has savings for homeowner, good student, multi-policy, continuous coverage, online quote discount, online signing, and multi-vehicle.
• AAA offers discounts including good student, good driver, multi-policy, multi-car, and pay-in-full.
• American Family may have discounts that include early bird, defensive driver, good student, TimeAway discount, and accident-free.
• Geico offers discounts for driver training, good student, seat belt use, air bags, multi-policy, multi-vehicle, and defensive driver.
• State Farm may include discounts for Drive Safe & Save, multiple autos, safe vehicle, defensive driving training, anti-theft, and student away at school.

If you need cheaper car insurance quotes, ask each company or agent which discounts they offer. Discounts might not be available to policyholders in your state. If you would like to choose from a list of car insurance companies who offer free car insurance quotes, click here to view.

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When should I discuss my situation with an agent?

When buying the right insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine whether you will benefit from professional help.

• Why am I required to get a high-risk car insurance policy?
• Does my liability insurance cover pulling a trailer or camper?
• Which companies will insure high-risk drivers?
• What can I do if my company won’t pay a claim?
• Should I sign the liability waiver when renting a car?
• Should I have combined single limit or split liability limits?
• How much liability coverage do I need in my state?
• What exactly is covered by my policy?
• Do I need an umbrella policy?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Specific coverages for a Volkswagen Passat

Learning about specific coverages of your insurance policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for expenses such as prosthetic devices, doctor visits, X-ray expenses and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability insurance can cover injuries or damage you cause to other’s property or people by causing an accident. It protects you against claims from 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. As an example, you may have limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as pain and suffering, attorney fees, repair costs for stationary objects, bail bonds and legal defense fees. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Collision coverage

This pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, crashing into a ditch, colliding with another moving vehicle, driving through your garage door and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, hitting a bird, a broken windshield, hitting a deer and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

More effort can pay off

When getting car insurance quotes online, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced collision coverage only to regret that it was a big mistake. The proper strategy is to buy a smart amount of coverage for the lowest price and still be able to protect your assets.

Throughout this article, we presented a lot of information how to lower your 1991 Volkswagen Passat insurance prices. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from some of the smallest insurance companies.

Insureds leave their current company for any number of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, being labeled a high risk driver or even delays in responding to claim requests. Regardless of your reason, choosing a new company is easier than you think.

More articles

• Where can I buy Insurance? (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)
• Help Your Teen Be a Better Driver (State Farm)
• Your Car has been Stolen: Now What? (Allstate)

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