Lower Your 1990 Volkswagen Passat Insurance Cost

Cutting costs on car insurance may be difficult for drivers who are new to buying insurance online. You have so many choices that it can quickly become a chore to compare coverage rates.

Car insurance rates and discounts

The cost of insuring your cars can be expensive, but you can get discounts that can drop the cost substantially. Certain credits will be shown at the time of purchase, but once in a while a discount must be specifically requested prior to receiving the credit.

  • Home Ownership Discount – Being a homeowner may trigger a policy discount on car insurance because of the fact that having a home requires a higher level of personal finance.
  • Driver Safety – Passing a course teaching safe driver skills could cut 5% off your bill and easily pay for the cost of the class.
  • Bundled Policy Discount – When you have multiple policies and insure them both with the same insurance company you will save 10% to 20% off each policy.
  • Anti-lock Brakes – Cars and trucks that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school or through a local driver safety program.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as comprehensive or collision. If you do the math and it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

Larger car insurance companies and a partial list of their discounts are:

  • State Farm offers discounts for passive restraint, defensive driving training, good driver, safe vehicle, multiple policy, and multiple autos.
  • Esurance may offer discounts for renters, DriveSense, multi-car, safety device, and Switch & Save.
  • Progressive offers premium reductions for good student, online quote discount, multi-vehicle, homeowner, online signing, and continuous coverage.
  • Liberty Mutual discounts include good student, new vehicle discount, multi-policy, newly retired, exclusive group savings, safety features, and new graduate.
  • Auto-Owners Insurance offers discounts including safe vehicle, paperless, anti-theft, company car, mature driver, paid in full, and good student.
  • Geico may include discounts for good student, membership and employees, anti-theft, multi-policy, air bags, defensive driver, and anti-lock brakes.

If you are trying to find cheap auto insurance quotes, ask each company what discounts are available to you. Savings may not be available in your area. If you would like to view car insurance companies that have a full spectrum of discounts, click here.

Find Volkswagen Passat insurance cheaper

Multiple criteria are part of the calculation when quoting car insurance. Most are fairly basic such as your driving history, but some are not as apparent such as your credit history or your vehicle rating.Part of the car insurance buying process is learning the factors that come into play when calculating car insurance rates. If you understand what influences your rates, this helps enable you to make changes that could result in big savings.

Listed below are some of the things car insurance companies consider when setting your rates.

  • Little extras can really add up – There are a ton of add-on coverages that can add up but may not be useful. Things like personal injury protection, towing, and motor club memberships may be costing you every month. They may seem good when deciding what coverages you need, but your money might be better spent on other coverage so remove them and pocket the money.
  • Pay more if you have a long commute – Living in less populated areas of the country has definite advantages when shopping for auto insurance. City drivers regularly have much more traffic and more severe claims. Fewer drivers translates into fewer accidents in addition to lower liability claims
  • Liability limits are a factor – Your policy’s liability coverage provides coverage in the event that a jury decides you are liable for causing personal injury or damage in an accident. This coverage provides for a legal defense to attempt to prove you were not liable. This coverage is relatively inexpensive compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
  • Cut car insurance rates and deter theft – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Theft deterrent systems such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft and help bring rates down.

Situations that may require an agent’s advice

When choosing coverage, there is no cookie cutter policy. Every situation is different.

For instance, these questions can aid in determining whether or not you will benefit from professional help.

  • Do I need replacement cost coverage?
  • I have a DUI can I still get coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is my dog or cat covered if injured in an accident?
  • Do all my vehicles need collision coverage?
  • What companies insure drivers after a DUI or DWI?
  • Is motorclub coverage worth it?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance coverage basics

Knowing the specifics of a auto insurance policy can help you determine appropriate coverage and proper limits and deductibles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive insurance – This will pay to fix 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 insurance covers things like hitting a bird, theft and vandalism. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle 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 Volkswagen Passat.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Collision coverage – Collision coverage covers damage to your Passat resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a building, hitting a parking meter, colliding with a tree, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like X-ray expenses, surgery, doctor visits, dental work and hospital visits. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance – Liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as pain and suffering, loss of income, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Make a quick buck

As you quote auto insurance, don’t be tempted to buy poor coverage just to save money. There are too many instances where an insured cut liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible for the lowest price, but don’t skip important coverages to save money.

We just presented many ways to lower your 1990 Volkswagen Passat insurance rates. The most important thing to understand is the more price quotes you have, the better your chances of lowering your car insurance rates. Drivers may discover the biggest savings come from a lesser-known regional company.

Some insurance providers do not offer price quotes online small insurance companies only sell through independent agents. Cheaper auto insurance can be bought on the web and also from your neighborhood agents, so compare prices from both to have the best rate selection.

More information is located below: