Cheaper 1996 Volkswagen Passat Insurance Quotes

Searching for low-cost insurance for a Volkswagen Passat can be a lot of work, but you can use these tips to find lower rates. There is a better way to find auto insurance online so we’re going to tell you the quickest way to compare rates for a Volkswagen and obtain the lowest price from local insurance agents and online providers.

Five tips to get more affordable insurance premiums

It’s important that you understand the factors that help determine the price you pay for insurance coverage. If you know what determines base rates, this enables you to make decisions that can help you get cheaper rates. Many different elements are taken into consideration when you get your auto insurance bill. Some factors are common sense such as your driving history, but some are less obvious like where you live or your financial responsibility.

• Higher insurance coverage rates for coverage lapses – Driving with no insurance is not a good idea and companies may charge more for letting your insurance lapse. In addition to paying higher premiums, failure to provide proof of insurance may result in a revoked license or a big fine.
• Is you vocation costing you more? – Careers like lawyers, architects and stock brokers have higher rates than average in part from job stress and lots of time spent at work. Conversely, careers like professors, historians and retirees get better rates for Passat coverage.
• How old are your drivers? – Older, more experienced drivers tend to be more responsible, tend to cause fewer accidents and are safer drivers.Teenage drivers have been known to get distracted easily when driving with friends so they pay higher insurance coverage rates.
• How do annual miles impact premiums? – The higher the miles on your Volkswagen each year the more it will cost to insure it. Most companies charge to insure your cars based upon how you use the vehicle. Cars that sit idle most of the time get more affordable rates compared to those used for work or business. Having an incorrect usage rating on your Passat may be costing you higher rates. It’s a good idea to make sure your vehicle rating is showing the correct driver usage.
• Raising comp and collision deductibles lowers premiums – Coverage for physical damage, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Examples of some claims that would be covered would be a dented fender, damage caused by hail, and burglary. Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more the insured has to pay upfront, the less your company will charge you for insurance for Passat coverage.

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Verify you’re earning every discount

Auto insurance is not cheap nor is it fun to buy but there may be some discounts to reduce the price significantly. Certain reductions will be credited when you get a quote, but a few must be asked for before you get the savings.

• Data Collection Discounts – Insureds who allow data collection to spy on their driving habits remotely such as Progressive’s Snapshot may see discounts as long as the data is positive.
• Bundle and Save – When you have multiple policies with one company you could save over 10 percent off each policy depending on the company.
• Multi-car Discount – Insuring all your vehicles on a single policy may reduce the rate for each vehicle.
• Early Signing – Some larger companies reward drivers for switching to them prior to your current policy expiring. You can save around 10% with this discount.
• Pay Now and Pay Less – By making one initial payment rather than paying monthly you could save up to 5%.
• Discounts for Good Drivers – Safe drivers can save up to 40% or more on their insurance coverage quote for Passat coverage than their less cautious counterparts.
• Paperwork-free – A few larger online companies may give you up to $50 get insurance coverage digitally online.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts as much as 30%.
• Professional Memberships – Belonging to qualifying employment or professional organizations could earn you a nice discount when shopping for auto insurance.
• Safety Course Discount – Taking a safe driver class is a good idea and can lower rates and easily recoup the cost of the course.

As a footnote on discounts, some of the credits will not apply the the whole policy. Some only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way.

A list of auto insurance companies and the discounts they provide are shown below.

• State Farm has discounts for student away at school, multiple policy, defensive driving training, Drive Safe & Save, good student, accident-free, and passive restraint.
• Liberty Mutual offers premium reductions for preferred payment discount, newly married, exclusive group savings, good student, teen driver discount, and hybrid vehicle.
• American Family may include discounts for good student, accident-free, Steer into Savings, air bags, good driver, and mySafetyValet.
• Progressive has savings for continuous coverage, online quote discount, online signing, multi-vehicle, and good student.
• Farmers Insurance offers discounts including early shopping, homeowner, distant student, mature driver, bundle discounts, and switch companies.
• Auto-Owners Insurance offers discounts for air bags, company car, group or association, good student, student away at school, anti-theft, and safe driver.
• SAFECO may offer discounts for drive less, anti-lock brakes, bundle discounts, homeowner, accident prevention training, anti-theft, and teen safe driver.

If you need cheap insurance coverage quotes, ask all the companies to apply every possible discount. Some discounts listed above may not be available in your state.

When should I discuss my situation with an agent?

When buying adequate coverage for your vehicles, there is no “best” method to buy coverage. Every situation is different.

These are some specific questions might help in determining whether your personal situation could use an agent’s help.

• Can I rent a car in Mexico?
• When can I cancel my policy?
• Am I covered when driving someone else’s vehicle?
• Is my vehicle covered by my employer’s policy when using it for work?
• What is PIP insurance?
• Am I covered if I hit my neighbor’s mailbox?

If you don’t know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Car insurance 101

Learning about specific coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like rehabilitation expenses, EMT expenses, doctor visits and dental work. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability car insurance – This coverage protects you from damage or injury you incur to a person or their property in an accident. It protects you against claims from other people, and doesn’t cover 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. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as bail bonds, funeral expenses and court costs. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Collision coverages – Collision coverage will pay to fix damage to your Passat from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like driving through your garage door, hitting a mailbox, scraping a guard rail, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive (Other than Collision) – This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as theft, rock chips in glass, vandalism and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

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Quote more, save more

Drivers change insurance companies for any number of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, lack of trust in their agent or unfair underwriting practices. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

More affordable car insurance can be found from both online companies in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture. There are still a few companies who may not offer rate quotes online and usually these small, regional companies sell through independent insurance agents.

When shopping online for car insurance, don’t be tempted to reduce needed coverages to save money. There are too many instances where drivers have reduced liability limits or collision coverage only to regret they didn’t purchase enough coverage. The goal is to buy a smart amount of coverage at the lowest possible cost while not skimping on critical coverages.

Helpful information

• Smart Auto Insurance Tips (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)

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