2001 Volkswagen Passat Insurance Quotes – 5 Ways to Save

Locating cheaper insurance for a Volkswagen Passat can normally be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to shop for insurance coverage so you’re going to learn the absolute fastest way to quote coverages for a new or used Volkswagen and get the cheapest rates either online or from local insurance agents.

It’s important to do price comparisons as often as possible because insurance coverage prices change regularly. If you had the best rates for Passat insurance six months ago you may be paying too much now. Forget all the misinformation about insurance coverage because you’re about to find out the best way to find great coverage at a great price.

Choosing the best insurance company for you is not that difficult. If you have a current insurance coverage policy or need a new policy, you will benefit by learning to cut your premiums while maximizing coverage. Drivers only need to know the proper methods to compare price quotes online.

Cheap auto insurance rate quotes

Finding a better price on auto insurance is not a difficult process. The only thing you need to do is spend a little time to get quotes to find the company with affordable insurance quotes. Rate comparisons can be done in several different ways.

1. The first (and easiest) way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This method keeps you from doing repetitive form submissions for each company you want a rate for. Taking the time to complete one form gets insurance cost estimates direct from many companies. Just one form and you’re done.
2. A slightly less efficient method to analyze rates is going to each company’s website and fill out their own quote form. For example, we’ll assume you want to see prices from Auto-Owners, Geico and Progressive. To do that, you would have to go to every website and punch in your information repeatedly, which is why the first method is more popular.

   For a list of links to insurance companies in your area, click here.

3. The last method to find cheaper rates is going to and from local insurance agencies. Comparing rate quotes online eliminates this option unless you want the personal advice of a licensed agent. If you prefer, some companies allow you to obtain prices from the web but still have the advice of a local agent.

It’s your choice how you get your quotes, but double check that you are using exactly the same information for each price quote. If you compare mixed coverages it will be impossible to determine which company has the best rates.

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Advertising and auto insurance

Drivers get pounded daily by advertisements that claim the cheapest rates from companies such as 21st Century, Allstate and State Farm. They all seem to try to convey promises about savings just by moving your policy.

How can each company charge you a lower premium? Here is how they do it.

Most companies have specific guidelines for the type of driver that will generate a profit. One example of this type of driver could possibly be over the age of 35, has no prior claims, and has great credit. Any driver who fits those characteristics will get the preferred rates and is almost guaranteed to save a lot of money.

Drivers who do not fit those criteria may receive more expensive rates with the end result being the customer not buying. If you pay attention, the ads say “drivers who switch” not “everybody who quotes” save that kind of money. This is how insurance companies can make those statements. Each company has different criteria, so you really should compare as many free insurance quotes as you can. It’s impossible to know the company that will provide you with the cheapest premium rates.

Find discounts on insurance coverage

The price of auto insurance can be rather high, but you may find discounts to reduce the price significantly. Some trigger automatically at the time of purchase, but a few need to be requested specifically before you will receive the discount. If you aren’t receiving every discount available, you are paying more than you should be.

• Multi-Vehicle Discounts – Insuring several vehicles with the same insurance coverage company qualifies for this discount.
• Safety Course Discount – Participating in a defensive driving course could earn you a small percentage discount and also improve your driving technique.
• Life Insurance Discount – Companies who offer life insurance give a lower rate if you buy a life policy as well.
• Discount for Home Ownership – Just being a homeowner can earn you a little savings because owning a home is proof of financial responsibility.
• Drivers Ed for Students – Require your teen driver to participate in a local driver’s education class as it can save substantially.

Keep in mind that some credits don’t apply to your bottom line cost. A few only apply to individual premiums such as liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, that’s just not realistic. But all discounts will bring down your policy premiums.

A few of the larger companies and their offered discounts are shown below.

• State Farm may include discounts for good driver, accident-free, Steer Clear safe driver discount, passive restraint, anti-theft, multiple policy, and multiple autos.
• Geico includes discounts for multi-vehicle, anti-theft, federal employee, multi-policy, anti-lock brakes, military active duty, and emergency military deployment.
• SAFECO policyholders can earn discounts including accident prevention training, anti-theft, drive less, multi-car, teen safety rewards, safe driver, and homeowner.
• Farmers Insurance has discounts for distant student, homeowner, teen driver, business and professional, and electronic funds transfer.
• AAA may have discounts that include anti-theft, good student, multi-policy, pay-in-full, multi-car, AAA membership discount, and good driver.
• USAA offers discounts including family discount, new vehicle, military installation, multi-policy, good student, multi-vehicle, and defensive driver.

Before buying, ask each company to apply every possible discount. Depending on the company, some discounts may not apply to policyholders in your area. To view insurers with discount rates, follow this link.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there isn’t really a one size fits all plan. Each situation is unique.

These are some specific questions may help highlight if you could use an agent’s help.

• Can I afford low physical damage deductibles?
• Are my friends covered when driving my car?
• Do I need added coverage for expensive stereo equipment?
• Why am I required to buy high-risk coverage?
• Is my dog or cat covered if injured in an accident?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• At what point should I drop full coverage?
• Am I covered when driving on a suspended license?
• When would I need additional glass coverage?
• Am I covered when delivering products for my home-based business?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.

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What insurance coverages do you need?

Knowing the specifics of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as vandalism, a broken windshield, a tree branch falling on your vehicle, theft and hitting a deer. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as hospital visits, rehabilitation expenses, pain medications, prosthetic devices and EMT expenses. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sustaining damage from a pot hole, colliding with a tree, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Liability insurance – Liability coverage will cover damage or injury you incur to people or other property that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for claims such as loss of income, funeral expenses, pain and suffering, emergency aid and court costs. How much coverage you buy is your choice, but buy as much as you can afford.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

More effort can pay off

Consumers who switch companies do it for many reasons like being labeled a high risk driver, policy non-renewal, high prices or even denial of a claim. Regardless of your reason for switching companies, choosing a new insurance company can be easy and end up saving you some money.

Cheaper 2001 Volkswagen Passat insurance is attainable on the web and from local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies may not have the ability to get a quote online and many times these small insurance companies work with local independent agents.

When shopping online for auto insurance, you should never sacrifice coverage to reduce premiums. Too many times, an accident victim reduced full coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The goal is to find the BEST coverage at the best cost, but don’t skip important coverages to save money.

More detailed auto insurance information is available in the articles below:

• Choosing a Car for Your Teen (State Farm)
• Auto Theft Statistics (Insurance Information Insitute)
• Red Light Cameras (State Farm)
• How to Avoid Common Accidents (State Farm)

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