1993 Volkswagen Passat Insurance Rates – 5 Discounts for Cheapest Quotes

Want lower insurance coverage rates for your Volkswagen Passat? Are you kicking yourself for buying an overpriced insurance coverage policy? Don’t feel bad because many drivers have buyer’s remorse. Due to the increasing number of options when it comes to insurance coverage, it is very difficult to find the most affordable company.

How to buy insurance online

Performing a rate comparison can take time and effort if you don’t utilize the most efficient way to do it. You can spend countless hours discussing policy coverages with insurance companies in your area, or you can stay home and use online quotes to get pricing more quickly.

Most of the best insurance companies are enrolled in a marketplace where prospective buyers complete one form, and at least one company then returns a price quote. This saves time by eliminating quotation requests for each company you want a rate for.

To compare rates using this form now click here (opens in new window).

The single downside to using this type of system is you cannot specify which companies to get pricing from. So if you prefer to pick from a list of companies to compare, we have a page of the cheapest insurance companies in your area. Click here to view list.

The approach you take is up to you, just be certain you are entering nearly identical deductibles and coverage limits on every price quote you get. If you compare higher or lower deductibles it will be very difficult to determine which company has the best rates.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Find hidden discounts on auto insurance

Some insurance providers don’t always advertise every discount they offer very clearly, so the list below gives a summary of a few of the more well known and the more hidden discounts that you may qualify for.

• New Vehicle Savings – Adding a new car to your policy can be considerably cheaper because newer models have to meet stringent safety requirements.
• Policy Bundle Discount – If you can bundle your home and auto insurance and insure them with the same company you may save at least 10 to 15 percent or more.
• First Accident Forgiveness – Not a discount per se, but some insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
• No Claims – Drivers who don’t have accidents get the best auto insurance rates when compared with insureds who have frequent claims or accidents.
• Defensive Driver – Successfully completing a defensive driver course can save you 5% or more and easily recoup the cost of the course.

Don’t be surprised that most discounts do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, companies wouldn’t make money that way.

Larger auto insurance companies and some of the discounts are outlined below.

• Geico may include discounts for daytime running lights, seat belt use, defensive driver, multi-vehicle, multi-policy, anti-lock brakes, and federal employee.
• Travelers may offer discounts for home ownership, continuous insurance, good student, early quote, new car, driver training, and hybrid/electric vehicle.
• Farm Bureau has discounts for good student, 55 and retired, youthful driver, driver training, and safe driver.
• Liberty Mutual has savings for new graduate, preferred payment discount, hybrid vehicle, exclusive group savings, good student, newly retired, and multi-policy.
• American Family includes discounts for mySafetyValet, good driver, TimeAway discount, multi-vehicle, and good student.
• Progressive offers discounts including online signing, multi-vehicle, continuous coverage, online quote discount, multi-policy, homeowner, and good student.

If you need lower rates, check with each insurance company how you can save money. Discounts may not apply in your state. For a list of insurance companies with discount rates, follow this link.

Tailor your auto insurance coverage to you

When buying coverage for your vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions might help in determining whether your personal situation might need professional guidance.

• Where can I find high-risk insurance?
• Can I afford to pay high deductible claims out of pocket?
• What can I do if my company won’t pay a claim?
• Does my medical payments coverage pay my health insurance deductible?
• How do I file an SR-22 for a DUI in my state?
• What are the financial responsibility laws in my state?
• When can my company non-renew my policy?
• How can I find cheaper teen driver insurance?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Insurance policy coverages for a 1993 Volkswagen Passat

Knowing the specifics of insurance can help you determine which coverages you need for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages offered by insurance companies.

Collision coverages – Collision coverage will pay to fix damage to your Passat resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like damaging your car on a curb, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like funeral costs, dental work, prosthetic devices and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a bird, damage from flooding, rock chips in glass and fire damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage – This coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability auto insurance – This coverage protects you from damage or injury you incur to other’s property or people in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like loss of income, emergency aid, repair bills for other people’s vehicles, medical expenses and court costs. How much coverage you buy is your choice, but buy higher limits if possible.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

And the best car insurance company is…

Lower-priced 1993 Volkswagen Passat insurance can be sourced on the web in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies don’t offer rate quotes online and these smaller companies only sell through local independent agencies.

When you buy insurance coverage online, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. Your goal should be to get the best coverage possible at an affordable rate, but do not sacrifice coverage to save money.

Additional information is available at these links:

• Auto Crash Statistics (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• A Tree Fell on Your Car: Now What? (Allstate)
• Parking Tips to Reduce Door Dings (State Farm)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption