Cheaper 1999 Volkswagen Passat Insurance Quotes

Wish you could get out of overpriced insurance coverage? You’re in good company because many consumers feel financially strained by their insurance coverage policy.

Insurance companies such as Progressive, Geico and Farmers Insurance all claim big savings, bombarding you with catchy ads and it is challenging if not impossible to ignore the promise of big savings and take the time to shop coverage around.

Discounts can really help lower rates

Companies that sell car insurance don’t always publicize all disounts in an easy-to-find place, so the next list breaks down a few of the more common and also the lesser-known credits that may apply to you. If you aren’t receiving every discount you qualify for, you could be paying more than you need to.

• Smart Student Discounts – Performing well in school may save you up to 25%. Most companies allow this discount up until you turn 25.
• Anti-lock Brake System – Cars, trucks, and SUVs equipped with ABS or steering control are safer to drive so you can save 10 percent or more.
• Low Mileage Discounts – Maintaining low annual mileage could be rewarded with cheaper premium rates.
• Military Rewards – Being on active deployment in the military could mean lower insurance rates.
• Home Ownership Discount – Owning your own home or condo can save you money since owning and maintaining a home demonstrates responsibility.

Remember that most of the big mark downs will not be given to the entire policy premium. Most only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like you could get a free insurance policy, companies don’t profit that way. Any qualifying discounts will definitely lower your policy premium.

A few popular companies and a summarized list of policyholder discounts are shown below.

• State Farm may offer discounts for Steer Clear safe driver discount, Drive Safe & Save, passive restraint, driver’s education, defensive driving training, and good driver.
• Esurance discounts include claim free, Pac-12 alumni, emergency road assistance, good driver, and renters.
• Progressive may include discounts for online signing, online quote discount, continuous coverage, homeowner, multi-policy, multi-vehicle, and good student.
• Liberty Mutual includes discounts for newly married, hybrid vehicle, teen driver discount, new move discount, multi-policy, and good student.
• Auto-Owners Insurance has savings for multiple vehicles, air bags, anti-lock brakes, safe vehicle, mature driver, safe driver, and anti-theft.
• Geico offers discounts including anti-lock brakes, driver training, military active duty, air bags, defensive driver, federal employee, and emergency military deployment.

When getting free insurance quotes, it’s a good idea to every prospective company how you can save money. Discounts might not be available to policyholders in your area. To find insurers who offer discounts, click this link.

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Compare insurance coverage rate quotes

Many insurance companies give coverage price quotes direct online. Comparing prices online is fairly simple as you just type in the coverages you want on the page. After the form is submitted, their quoting system orders your driving and credit reports and gives you a price quote based on many factors. Online price estimates makes comparing rates easy, but having to visit each company’s website and repetitively enter the same data into a form is a waste of time. But it is imperative to do this if you are searching for the lowest insurance coverage rates.

Keep reading for an easier way to compare prices

The preferred way to locate the lowest prices is to use a quote form to obtain quotes from a lot of companies. This type of form saves time, reduces the work, and makes online quotes much more enjoyable. Immediately after submitting the form, it is quoted and you can choose any or none of the returned quotes. If a lower price is quoted, you can simply submit the application and purchase coverage. It can be completed in less than 10 minutes and can result in significant savings.

If you want to compare rates using this form now, click here to open in a new tab and complete the simple form. If you have a policy now, it’s recommended you complete the form with coverages and limits exactly as they are listed on your policy. Doing this assures you will receive a fair comparison based on the exact same insurance coverage.

Seven factors that influence insurance prices

Many things are part of the equation when premium rates are determined. A few of the factors are predictable like an MVR report, but some are not quite as obvious like your continuous coverage or how financially stable you are.

• Where you call home factors in – Being located in small towns and rural areas can be a good thing when trying to find low car insurance rates. Fewer drivers and short commutes translates into fewer accidents and lower theft and vandalism rates. People in densly populated areas tend to have more auto accidents and higher rates of accident claims. The longer drive time can result in more accidents.
• More stress means more cost – Occupations like lawyers, architects and miners have higher average rates in part from high stress levels and lots of time spent at work. Other jobs such as professors, historians and retirees receive lower rates for Passat insurance.
• What’s your car’s crash test rating? – Cars with high safety ratings get lower rates. Safer cars reduce injuries and reduced instances of injuries translates into fewer and smaller insurance claims and thus lower rates. If your Volkswagen Passat has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
• Deter theft and pay less – Driving a car with a theft deterrent system can earn a premium discount. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft and help lower rates.
• Liability protection is peace of mind – Your car insurance policy’s liability coverage is the protection in the event that you are responsible for physical damage or personal injury to other. Liability insurance provides for a legal defense which can cost thousands of dollars. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so do not skimp.
• Women tend to cost less – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. The data does not necessarily mean that females are better at driving than males. Both sexes cause accidents in similar numbers, but men have costlier accidents. Men also get more serious tickets such as DWI and reckless driving.
• Drive less and get lower prices – The more you drive in a year’s time the more you’ll pay to insure it. A lot of insurance companies rate vehicles based on their usage. Autos that are left in the garage can be on a lower rate level than vehicles that have high annual mileage. Incorrect rating for your Passat may be costing you. It’s always a good idea to double check that your policy states the proper vehicle usage.

Will just any policy work for me?

When choosing the best insurance coverage coverage for your vehicles, there really is no cookie cutter policy. Everyone’s needs are different so this has to be addressed. These are some specific questions can aid in determining whether you would benefit from an agent’s advice.

• What is no-fault insurance?
• Is motorclub coverage worth it?
• What companies insure drivers after a DUI or DWI?
• Is there coverage for injuries to my pets?
• Are split liability limits better than a combined single limit?
• At what point should I drop full coverage?
• Is my teenager covered with friends in the car?
• Do I pay less for low miles?
• What discounts do I qualify for?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

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Insurance coverage specifics

Learning about specific coverages of a insurance policy helps when choosing the best coverages for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages found on the average insurance policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a deer, fire damage, hitting a bird, hail damage and falling objects. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage protection

This covers damage to your Passat resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as backing into a parked car, damaging your car on a curb, colliding with another moving vehicle 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 choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like doctor visits, chiropractic care, pain medications, dental work and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 1999 Volkswagen Passat.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Auto liability insurance

This coverage can cover damages or injuries you inflict on other people or property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

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 50/100/50 that translate to 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 coverage protects against claims like funeral expenses, attorney fees and structural damage. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Shop around and save

We just presented a lot of techniques to lower your 1999 Volkswagen Passat insurance rates. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding low cost insurance. You may even find the best rates are with a smaller regional carrier. They may cover specific market segments cheaper as compared to the big name companies such as Progressive and Geico.

When shopping online for insurance, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to purchase plenty of coverage at the best possible price while not skimping on critical coverages.

To learn more, feel free to browse the resources below:

• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)
• Safety Features for Your New Car (State Farm)
• State Laws for Cellphones and Texting (iihs.org)

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