1991 Volkswagen Passat Insurance Cost – 10 Ways to Save

Looking for cheaper car insurance rates for your Volkswagen Passat? Nobody that owns a car enjoys paying for car insurance, especially knowing it costs too dang much.

Insurance companies such as Geico, Progressive and Allstate all claim big savings with ads and it is difficult to see through the deception and find the best price available.

It’s a great practice to price shop coverage yearly because car insurance prices are variable and change quite frequently. Even if you think you had the best price for Passat insurance six months ago you can probably find a better rate now. There is too much inaccurate information about car insurance on the internet, but we’re going to give you some great ideas on how to lower your car insurance bill.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Finding the best rates is not rocket science. But car owners must comprehend the way insurance companies sell insurance online and apply this information to your search.

Ten discounts for cheap car insurance rates

Not many people think insurance is cheap, but there could be significant discounts that many consumers don’t even know exist. Some trigger automatically when you purchase, but some must be asked about in order for you to get them.

  • Membership in Organizations – Being in a civic or occupational organization could earn you a nice discount on your policy.
  • Federal Government Employee – Active or former government employment may qualify for a discount when you quote insurance coverage for Passat insurance with a few car insurance companies.
  • Save with More Vehicles Insured – Purchasing coverage when you have all your vehicles on one policy can reduce the rates for all insured vehicles.
  • Theft Deterent – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and qualify for as much as a 10% discount.
  • Switch and Save Discount – Some larger companies provide a discount for switching policies prior to your current policy expiration. It could save around 10% when you buy insurance coverage online.
  • Low Mileage – Low mileage vehicles can qualify you for better car insurancerates on cars that stay parked.
  • Discounts for Cautious Drivers – Drivers who avoid accidents may receive a discount up to 45% for Passat insurance as compared to drivers with claims.
  • Good Students Pay Less – Performing well in school may save you up to 25%. Earning this discount can benefit you well after school through age 25.
  • Discount for Passive Restraints – Factory air bags or automatic seat belts can receive discounts of 25 to 30%.
  • 55 and Retired – Mature drivers could receive lower premium rates for Passat insurance.

Keep in mind that some of the credits will not apply the the whole policy. Most cut the price of certain insurance coverages like medical payments or collision. So even though you would think you can get free auto insurance, you won’t be that lucky.

To see insurers that can offer you the previously mentioned discounts, click here.

Finding insurance

Many insurance companies give insurance quotes on the web. Getting online rates is quite easy as you simply enter your coverage information into the quote form. Once entered, their system will obtain your credit score and driving record and generates a price. Online price quotes streamlines rate comparisons, but the time required to go to multiple sites and type in your information can get tiresome after awhile. But it is imperative to compare as many rates as possible in order to find a lower rate.

The easiest way to compare rates uses just one form that analyzes rates from more than one company. The form is fast, reduces the work, and makes online price comparison a little more enjoyable. After sending the form, it is rated and you are able to buy any one of the price quotes you receive.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. The whole process can be completed in a matter of minutes and could lower your rates considerably.

In order to find out how much you’re overpaying now, simply click here to open in new window and submit the form. To compare your current rates, we recommend that you enter exactly as they are listed on your policy. This helps ensure you will have a rate comparison based on the exact same insurance coverage.

Tailor your insurance coverage to you

When choosing coverage for your personal vehicles, there is no “perfect” insurance plan. Each situation is unique so this has to be addressed. For example, these questions may help you determine whether you will benefit from professional help.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does medical payments coverage apply to all occupants?
  • How high should my medical payments coverage be?
  • Can I get a multi-policy discount?
  • What are the best liability limits?
  • Are split liability limits better than a combined single limit?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Ads can be misleading

Car insurance companies such as 21st Century, Allstate and State Farm seem to constantly run television and radio advertisements. All the companies have a common claim about how much you will save just by moving to their company. Is it even possible that every company can lower your rates? It’s all in how they say it.

All companies have strict underwriting profiles for the type of customer they prefer to insure. An example of a preferred risk should be over age 30, has a clear driving record, and has excellent credit. Anyone that hits that “sweet spot” receive the lowest rate quotes and will probably cut their rates if they switch.

Potential customers who do not fit these stringent criteria will get higher prices which translates to the customer buying from someone else. If you listen to the ad wording, they say “customers who switch” but not “all drivers who get quotes” save the amount stated. That is how insurance companies can make claims like that.

This illustrates why you need to do a quote comparison often. It is impossible to predict which company will give you lower rates than your current company.

Insurance coverages explained

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages available from insurance companies.

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

Collision can pay for claims like scraping a guard rail, driving through your garage door, sideswiping another vehicle and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical expense coverage – Med pay and PIP coverage provide coverage for short-term medical expenses for things like pain medications, prosthetic devices, EMT expenses and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for liability – This coverage provides protection from damage that occurs to other’s property or people in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims like pain and suffering, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1991 Volkswagen Passat.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a deer. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Cheaper insurance is a realistic goal

Throughout this article, we presented many tips how you can save on 1991 Volkswagen Passat insurance. The key concept to understand is the more you quote insurance coverage, the better your chances of lowering your prices. Consumers may even find the best price on auto insurance is with a small local company. Smaller companies may have significantly lower prices on certain market segments compared to the large companies like Geico and State Farm.

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. There are a lot of situations where drivers have reduced liability coverage limits only to find out that the small savings ended up costing them much more. The proper strategy is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

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