1992 Volkswagen Passat Insurance Quotes – 6 Tips to Save

Looking for lower insurance coverage rates for your Volkswagen Passat? Do you think you bought overpriced insurance coverage? Believe me when I say you’re not the only one. Companies like Progressive, Geico and Farmers Insurance constantly bombard you with fancy advertisements and it is challenging if not impossible to see past the corporate glitz and effectively compare rates to find the best deal.

It’s important to do price comparisons as often as possible since insurance prices trend upward over time. Just because you had the lowest rate on Passat coverage on your last policy you may be paying too much now. Ignore everything you know about insurance coverage because we’re going to demonstrate the best methods to lower your rates without sacrificing coverage.

If you have a policy now or are shopping for new coverage, you can use these techniques to shop for the lowest rates and possibly find even better coverage. Finding affordable coverage is not that difficult. Drivers just need to learn the proper methods to compare company rates online.

The most recommended method to get rate comparisons is to take advantage of the fact most of the larger companies provide online access to provide you with a free rate quote. To start a quote, the only thing you need to do is give them rating details like level of coverage desired, the year, make and model of vehicles, whether you are single or married, and daily mileage. That rating information gets transmitted to multiple companies and they return rate quotes quickly.

To start a rate quote now, click here and complete the quick form.

Drivers who switch save $401 a year? Really?

Consumers constantly see and hear ads that claim the best premium rates from companies such as Geico, State Farm and Progressive. They all seem to tend to make the same promise that drivers can save some big amount after switching your auto insurance policy to them.

How do they all lower your premium rates? You have to listen carefully.

Most companies are able to cherry pick for the driver that makes them money. An example of this type of insured might have to be over the age of 45, has a clear driving record, and insures a new vehicle. A customer who matches that profile receive the lowest rate quotes and as a result will probably save if they switch.

Consumers who are not a match for the “perfect” profile may be forced to pay a more expensive rate and ends up with business not being written. The wording the ads use say “customers who switch” not “everyone that quotes” save that much when switching. That is how insurance companies can advertise the savings.

This illustrates why you absolutely need to get car insurance quotes as often as possible. It’s just not possible to know which insurance companies will have the lowest rates.

Are you earning every discount?

Companies that sell car insurance do not list every policy discount very clearly, so below is a list a few of the more well known and the harder-to-find discounts that you may qualify for.

  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts of 20 to 30 percent.
  • Multiple Cars – Insuring multiple cars or trucks with one company could earn a price break for each car.
  • E-sign Discounts – A handful of larger companies will provide an incentive simply for signing on the web.
  • Telematics Data Discounts – Drivers who elect to allow their insurance company to analyze when and where they use their vehicle by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates as long as the data is positive.
  • Discount for Low Mileage – Low annual miles may allow you to get substantially lower rates.
  • Safety Restraint Discount – Buckling up and requiring all passengers to use a seat belt can save up to 15% on medical payment and PIP coverage.

Just know that some credits don’t apply to the entire policy premium. Most cut specific coverage prices like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, nobody gets a free ride. But any discount will bring down your insurance premiums.

A few popular companies and a selection of discounts are:

  • Geico may offer discounts for federal employee, seat belt use, anti-theft, multi-policy, and military active duty.
  • MetLife includes discounts for multi-policy, defensive driver, good driver, accident-free, and good student.
  • Progressive has discounts for continuous coverage, online signing, online quote discount, multi-vehicle, good student, and multi-policy.
  • Travelers offers discounts including early quote, payment discounts, home ownership, good student, driver training, save driver, and student away at school.
  • SAFECO may have discounts that include safe driver, teen safety rewards, homeowner, teen safe driver, and bundle discounts.
  • AAA may include discounts for anti-theft, pay-in-full, multi-car, multi-policy, good driver, AAA membership discount, and good student.

If you need low cost car insurance quotes, ask each company which discounts you qualify for. Some of the earlier mentioned discounts might not apply in your area.

When in doubt talk to an agent

When it comes to buying adequate coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that might point out whether or not you could use an agent’s help.

  • When do I need to add a new car to my policy?
  • Can my teen drive my company car?
  • When would I need additional glass coverage?
  • Should I have a commercial auto policy?
  • What is high-risk coverage and where do I buy it?
  • Is my nanny covered when driving my vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do all my vehicles need collision coverage?
  • Do I need added coverage for expensive stereo equipment?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Car insurance coverages and their meanings

Knowing the specifics of a car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages available from car insurance companies.

Auto liability insurance

Liability coverage can cover damage that occurs to a person or their property that is your fault. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers things such as structural damage, repair costs for stationary objects, bail bonds and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like dental work, hospital visits and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as fire damage, a broken windshield, rock chips in glass, damage from a tornado or hurricane and vandalism. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

Collision coverage will pay to fix damage to your Passat resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Volkswagen Passat.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually these coverages are set the same as your liablity limits.

A penny earned…

Some insurance companies may not offer rates over the internet small, regional companies only sell through independent insurance agencies. Budget-conscious 1992 Volkswagen Passat insurance is attainable on the web as well as from insurance agents, and you need to price shop both to have the best rate selection.

In this article, we presented many ideas to shop for 1992 Volkswagen Passat insurance online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding the cheapest car insurance. You may be surprised to find that the lowest priced insurance coverage comes from some of the lesser-known companies. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like Progressive and Geico.

Even more information is located in the articles below: