2000 Volkswagen Passat Insurance Quotes – 7 Discounts for Best Rates

Looking for better car insurance rates for your Volkswagen Passat? Expensive car insurance can consume your budget and make it hard to pay other bills. Doing a rate comparison can lower your rates and help to cut your insurance bill.

Lots of insurers contend to insure your vehicles, and it can be difficult to compare rates to find the best rates possible.

It’s a great practice to get comparison quotes once or twice a year because car insurance rates fluctuate regularly. Despite the fact that you may have had the lowest rate for Passat insurance a year ago you can probably find a better price now. There is a lot of bad information regarding car insurance out there, but by reading this article, you’re going to learn some guaranteed methods to save money.

If you currently have a car insurance policy, you will be able to cut costs considerably using these methods. Finding affordable coverage is easy if you know what you’re doing. But vehicle owners do need to know the methods companies use to price online insurance and take advantage of how the system works.

Insurance coverage discounts help lower rates

Car insurance companies don’t always list every discount they offer in an easy-to-find place, so the list below contains some of the best known in addition to some of the lesser obvious discounts that may be available.

• Online Discount – Many companies will give you a small discount for completing your application on the internet.
• Auto/Home Discount – When you have multiple policies with one company you may save as much as 10 to 15 percent.
• Low Mileage Discounts – Maintaining low annual mileage may enable drivers to earn substantially lower insurance coveragerates.
• College Student – College-age children who attend college more than 100 miles from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
• Use Seat Belts – Drivers who require all occupants to buckle up could save 15% on the premium charged for medical payments and/or PIP.
• Early Signing – Some companies reward drivers for signing up before your current coverage expires. This can save 10% or more.
• Theft Deterent System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.

Discounts save money, but please remember that most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

To view insurance coverage companies who offer discounts, follow this link.

Which is the best auto insurance?

When it comes to choosing adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might point out if you could use an agent’s help.

• When does my teenage driver need to be added to my policy?
• Is my ex-spouse still covered by my policy?
• Do I benefit by insuring my home with the same company?
• When should I not file a claim?
• Does my 2000 Volkswagen Passat qualify for pleasure use?
• Is my Volkswagen Passat covered if I use it for business?
• What discounts do I qualify for?

If it’s difficult to answer those questions then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area.

Auto insurance coverages

Understanding the coverages of your auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverages found on most auto insurance policies.

Liability auto insurance – Liability coverage can cover damage that occurs to other people or property by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things such as attorney fees, legal defense fees, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for X-ray expenses, chiropractic care, EMT expenses and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your 2000 Volkswagen Passat.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverages – This coverage covers damage to your Passat resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with a tree, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

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

Comprehensive can pay for claims such as a tree branch falling on your vehicle, falling objects, damage from flooding, hail damage and a broken windshield. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Money doesn’t grow on trees

Cheap 2000 Volkswagen Passat insurance can be purchased online and also from your neighborhood agents, so you need to shop auto insurance with both in order to have the best chance of saving money. A few companies may not offer online quoting and many times these small, regional companies work with local independent agencies.

We just showed you many ideas to save on 2000 Volkswagen Passat insurance. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Consumers may even find the biggest savings come from some of the lesser-known companies. They often have lower rates on specific markets as compared to the big name companies such as Progressive or Geico.

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• Tools for Teen Driving Safety (State Farm)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)