View 2004 Volkswagen Passat Insurance Cost

Want the cheapest insurance coverage rates for your Volkswagen Passat? Comparison shopping for low cost insurance coverage is difficult for people not familiar with online insurance quotes. You have so many different companies and agents to choose from that it can quickly become a chore to lower your prices.

It is always a good idea to compare premium rates once or twice a year because insurance coverage prices change frequently. Even if you think you had the best price for Passat insurance last year other companies may now be cheaper. Ignore everything you know about insurance coverage because you’re about to learn the quickest way to eliminate unnecessary coverages and save money.

Get affordable insurance rates with discounts

Car insurance companies don’t always publicize all their discounts in a way that’s easy to find, so the list below contains some of the more common and also the more inconspicuous credits available to you.

• Membership in Organizations – Joining qualifying employment or professional organizations is a simple method to lower premiums on your next renewal.
• Discount for Good Grades – This discount may save as much as 25% on a auto insurance quote. The discount lasts up to age 25.
• College Student Discount – who are enrolled in higher education away from home and don’t have a car can be insured at a reduced rate.
• Service Members Pay Less – Being on active deployment in the military could mean lower prices.
• ABS Brakes – Cars with ABS and/or traction control are safer to drive and qualify for as much as a 10% discount.
• Discounts for Responsible Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates for Passat insurance than less cautious drivers.
• Discounts for Government Workers – Federal government employees can save as much as 8% for Passat insurance with a few insurance companies.
• Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of more than 20%.
• Low Mileage Discounts – Keeping the miles down on your Volkswagen could qualify for cheaper premium rates.

Drivers should understand that most discounts do not apply to your bottom line cost. Most only apply to specific coverage prices like medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

A few of the larger companies and a summarized list of policyholder discounts can be found below.

• Progressive offers discounts including good student, multi-vehicle, multi-policy, online signing, online quote discount, and homeowner.
• MetLife has discounts for defensive driver, accident-free, multi-policy, good student, and claim-free.
• Mercury Insurance offers premium reductions for low natural disaster claims, anti-theft, location of vehicle, multi-policy, multi-car, annual mileage, and age of vehicle.
• Nationwide includes discounts for multi-policy, Farm Bureau membership, easy pay, good student, and accident-free.
• Geico offers discounts for anti-lock brakes, federal employee, membership and employees, daytime running lights, air bags, military active duty, and good student.
• AAA may have discounts that include good student, pay-in-full, multi-car, education and occupation, multi-policy, and AAA membership discount.

It’s a good idea to ask all the companies how many discounts you can get. All car insurance discounts might not be available to policyholders in your area.

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

 Secured with SHA-256 Encryption

You can change your insurance prices

Lots of things are part of the calculation when quoting car insurance. A few of the factors are predictable such as your driving history, but others are not as apparent such as your marital status or how safe your car is.One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that help determine the price you pay for auto insurance. If you know what determines base rates, this empowers consumers to make smart changes that could help you find lower rates.

The factors shown below are some of the most rate-impacting factors used by your company to calculate rates.

• Is your vehicle theft-ready? – Choosing to buy a car with an alarm system can get you a discount on your auto insurance. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft and help lower rates.
• Which gender costs less? – The statistics show females are less aggressive when driving. However, this does not mean women are BETTER drivers than men. Women and men cause auto accidents in similar numbers, but guys cause more damage. Men also receive more major tickets like DWI (DUI) or reckless driving. Male drivers age 16 to 19 cause the most accidents and therefore have the most expensive auto insurance rates.
• Premiums can be impacted by your job – Did you know your auto insurance rates can be affected by your occupation? Occupations like military generals, business owners and emergency personnel tend to have the highest average rates due to job stress and incredibly demanding work hours. On the other hand, jobs such as scientists, athletes and the unemployed pay lower than average rates for Passat insurance.
• Cheap auto insurance rates for being claim-free – If you file claims often, don’t be surprised to see higher premiums or even policy non-renewal. Car insurance companies give most affordable rates to insureds who do not file claims often. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
• Save money by having multiple policies – Lots of auto insurance companies will give lower prices to clients who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even with this discount applied, it’s in your best interest to compare rates to guarantee you are still saving the most. It’s possible to still save money by buying from different companies
• Infrequent drivers can save – The higher the miles on your Volkswagen in a year the more it will cost to insure it. A lot of companies calculate prices based on their usage. Autos left parked in the garage get more affordable rates compared to those used for work or business. Double check that your auto insurance declarations sheet is showing annual mileage, because it can save money. Having the wrong rating on your Passat is throwing money out the window.
• High premiums for youthful drivers – Teenage drivers tend to be less responsible behind the wheel so they pay higher auto insurance rates. Mature drivers are shown to be more cautious, cause fewer claims and accidents .
• Always have auto insurance – Letting your insurance expire is a fast way to bump up your auto insurance costs. And not only will insurance be more expensive, being ticketed for driving with no insurance could earn you a revoked license or a big fine.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage for your vehicles, there is no cookie cutter policy. Every situation is different.

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

• Are rental cars covered under my policy?
• When would I need additional glass coverage?
• Do I have coverage for damage caused while driving under the influence?
• Is my vehicle covered by my employer’s policy when using it for work?
• When would I need rental car insurance?
• Should I have combined single limit or split liability limits?
• Can I get a multi-policy discount?
• Is there coverage for injuries to my pets?

If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance coverage information

Knowing the specifics of your insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for surgery, dental work, chiropractic care, rehabilitation expenses and funeral costs. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverages – Collision insurance pays for damage to your Passat resulting from colliding with another car or object. 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 sideswiping another vehicle, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Auto liability insurance – This protects you from damages or injuries you inflict on people or other property that is your fault. It protects you against other people’s claims, and does not provide coverage for 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. You commonly see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like bail bonds, loss of income, legal defense fees, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, fire damage, a broken windshield and falling objects. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

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

 Secured with SHA-256 Encryption

Pennies from heaven

As you quote auto insurance, do not buy lower coverage limits just to save a few bucks. Too many times, an insured dropped collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your objective should be to buy the best coverage you can find at an affordable rate, but do not sacrifice coverage to save money.

Insureds leave their current company for many reasons like unfair underwriting practices, delays in responding to claim requests, lack of trust in their agent and poor customer service. Regardless of your reason for switching companies, finding a great new company is easier than you think.

Some car insurance companies may not have the ability to get quotes online and usually these small, regional companies prefer to sell through local independent agencies. More affordable car insurance can be sourced from both online companies and also from your neighborhood agents, so you need to compare both in order to have the best chance of saving money.

Additional information can be read at the links below

• Event Data Recorders FAQ (iihs.org)
• Determing Auto Insurance Rates (Geico)
• Auto Crash Statistics (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)

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

 Secured with SHA-256 Encryption