1995 Volkswagen Passat Insurance Rates

Searching for lower auto insurance rates for your Volkswagen Passat? Did a good deal turn out to be an overpriced auto insurance policy? You’re preaching to the choir because there are many people just like you. Multiple auto insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the best price available.

Smart consumers take time to compare premium rates before your policy renews because auto insurance prices are usually higher with each renewal. Even if you think you had the best deal for Passat coverage a few years ago the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because you’re going to learn the best methods to reduce your cost while increasing coverage.

How to shop insurance coverage online

Finding cheap insurance coverage quotes is surprisingly easy. You just have to take time to compare free insurance coverage quotes to find. It’s super easy and can be done using one of these methods.

1. The most efficient method consumers can analyze rates is to use a rate comparison form click here to open form in new window. This form eliminates the need for separate quote forms for each company. One quote request gets you price quotes from several companies.
2. Another way to shop for insurance coverage online consists of going to the website for every company you want to comare and fill out a new quote form. For example, we’ll pretend you want to see prices from Geico, Farmers and American Family. In order to compare rates, you need to take the time to go to each site and repeatedly enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

How you compare quotes is your choice, just compare exactly the same quote information with each company. If you enter differing limits it will be very difficult to determine which rate is truly the best.

Use discounts on insurance

Auto insurance companies do not advertise all their discounts in a way that’s easy to find, so the list below details some of the more common as well as the least known credits that may apply to you.

• Multi-Vehicle Discounts – Having all your vehicles on a single policy can get a discount for every vehicle.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education if offered at their school.
• Auto/Home Discount – When you combine your auto and home insurance with the same insurance company they may give you a discount of 10% to 20% off each policy.
• Payment Method – If you pay your bill all at once instead of paying each month you can avoid monthly service charges.
• Save over 55 – Seniors may be able to get a small discount on rates for Passat coverage.
• Seat Belts Save – Forcing all vehicle occupants to fasten their seat belts may be able to save a few bucks off the medical payments premium.

You should keep in mind that most discounts do not apply to your bottom line cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like you can get free auto insurance, insurance companies aren’t that generous.

The best insurance companies and a summarized list of policyholder discounts are outlined below.

• State Farm has savings for defensive driving training, multiple policy, Drive Safe & Save, good driver, Steer Clear safe driver discount, and safe vehicle.
• Farmers Insurance includes discounts for teen driver, multi-car, electronic funds transfer, early shopping, bundle discounts, and homeowner.
• Geico has discounts for anti-theft, driver training, five-year accident-free, military active duty, and federal employee.
• American Family offers premium reductions for mySafetyValet, TimeAway discount, multi-vehicle, accident-free, defensive driver, and Steer into Savings.
• Nationwide offers discounts for anti-theft, accident-free, easy pay, multi-policy, Farm Bureau membership, good student, and family plan.
• Progressive may include discounts for good student, continuous coverage, online signing, online quote discount, multi-policy, and homeowner.

If you need the cheapest insurance coverage quotes, ask each company or agent to apply every possible discount. Some discounts may not be available in every state. If you would like to choose from a list of companies with the best discounts, click here to view.

Tailor your insurance coverage to you

When buying the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that can aid in determining if your insurance needs will benefit from professional help.

• Should I bundle my homeowners policy with my auto?
• Is other people’s property covered if stolen from my vehicle?
• Which companies will insure high-risk drivers?
• How do I file an SR-22 for a DUI in my state?
• How high should my medical payments coverage be?
• Should I sign the liability waiver when renting a car?
• Is my nanny covered when driving my vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance 101

Learning about specific coverages of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages found on most insurance policies.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a deer, hitting a bird, a broken windshield, a tree branch falling on your vehicle and vandalism. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for expenses such as rehabilitation expenses, funeral costs, surgery, chiropractic care and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Liability auto insurance – This provides protection from damages or injuries you inflict on other people or property that is your fault. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use 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 insurance covers claims such as structural damage, loss of income, court costs, medical services and attorney fees. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Collision – Collision coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, crashing into a building, crashing into a ditch and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Uninsured and underinsured coverage – This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are identical to your policy’s liability coverage.