1998 Volkswagen Passat Insurance Quotes – 8 Tricks for Cheaper Rates

Buyers have a choice when searching for affordable Volkswagen Passat insurance. They can either spend hours contacting agents to compare prices or use the internet to make rate comparisons.

There is a right way and a wrong way to buy auto insurance so we’re going to tell you the quickest way to compare rates for a new or used Volkswagen and find the lowest price.

It’s a great practice to take a look at other company’s rates before your next renewal since prices change frequently. If you had the lowest price for Passat insurance at your last renewal you can probably find a lower rate today. Forget all the misinformation about auto insurance because you’re going to get a crash course in the right way to find better rates and still maintain coverage.

Save money with these eight discounts

Companies that sell car insurance don’t list their entire list of discounts in a way that’s easy to find, so the below list has some of the best known as well as some of the hidden ways to save on insurance coverage.

  • Braking Control Discount – Cars that have anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Service Members Pay Less – Having a deployed family member could be rewarded with lower prices.
  • Auto/Life Discount – Larger companies have a small discount if you purchase a life insurance policy as well.
  • Pay Early and Save – By paying your entire bill at once rather than paying in monthly installments you may have a lower total premium amount.
  • Early Signing – Some larger companies reward drivers for buying a new policy before your current coverage expires. You may see this discount when you get car insurance quotes online.
  • Passive Restraints – Options like air bags can qualify for discounts as much as 30%.
  • Driver Training Discounts – Taking part in a defensive driving course could save 5% or more depending on where you live.
  • Low Mileage Discounts – Keeping the miles down on your Volkswagen may enable drivers to earn lower premium rates due to less chance of an accident.

It’s important to note that many deductions do not apply the the whole policy. Some only apply to the cost of specific coverages such as comp or med pay. Just because you may think you can get free auto insurance, it just doesn’t work that way.

A list of companies and their possible discounts are detailed below.

  • Farm Bureau offers discounts including good student, youthful driver, driver training, multi-vehicle, safe driver, and 55 and retired.
  • State Farm has discounts for good driver, safe vehicle, anti-theft, student away at school, accident-free, and defensive driving training.
  • Progressive includes discounts for online quote discount, homeowner, good student, continuous coverage, multi-vehicle, and multi-policy.
  • Allstate policyholders can earn discounts including safe driver, defensive driver, teenSMART discount, eSmart discount, premier discount, premier plus, and anti-lock brakes.
  • Nationwide offers discounts for anti-theft, easy pay, family plan, accident-free, good student, multi-policy, and Farm Bureau membership.
  • MetLife discounts include defensive driver, good student, accident-free, multi-policy, good driver, and claim-free.

Double check with every insurance company which discounts you may be entitled to. Some of the discounts discussed earlier might not be available to policyholders in every state. If you would like to view insurance coverage companies that offer many of these discounts, click here.

Low cost insurance rate quotes

Cutting your insurance rates is actually easier than you may think. The only thing you need to do is take a few minutes comparing price quotes provided by online insurance companies. Rate comparisons can be done in just a few minutes using one of these methods.

The simplest way to get quotes for comparison is a comparison rater form (click to open form in new window). This form saves time by eliminating multiple quote forms for each company you want a rate for. In just a few minutes this one form gets you coverage quotes instantly. Recommended for those who want to invest the least amount of time.

Another way to analyze rates consists of going to the website for every company you want to comare and fill out a new quote form. For instance, we’ll assume you want to get rates from Geico, Progressive and Allstate. In order to compare rates, you need to navigate to each company’s site to enter the same coverage data repeatedly, which can be really labor intensive. For a list of links to companies insuring cars in your area, click here.

You can use whichever method you prefer to find lower rates, just make absolute certain that you use nearly identical coverage information for each price quote. If your comparisons have different data it will be next to impossible to determine the best price for your Volkswagen Passat.

What is the best auto insurance coverage?

When it comes to buying the best auto insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine if your situation would benefit from an agent’s advice.

  • How much underlying liability do I need for an umbrella policy?
  • What are the best liability limits?
  • Am I covered if my car is in a flood?
  • Can I still get insurance after a DUI?
  • Am I missing any policy discounts?
  • Do I need medical payments coverage since I have good health insurance?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can help protect your family.

The ad said I’d save $408 a year!

Consumers can’t escape the ads for auto insurance savings from companies such as Progressive, Allstate and Geico. All the ads make the point that drivers can save some big amount if you switch your auto insurance policy to them.

How does each company give you a lower rate? This is the way they can do it.

Most companies have an ideal profile for the type of customer that earns them the highest profit. For instance, a profitable insured could be over the age of 50, is a homeowner, and drives less than 5,000 miles a year. A propective insured who fits that profile is entitled to the best price and have a good chance to pay quite a bit less when switching companies.

Potential insureds who may not quite match this stringent profile may receive a higher rate which leads to the customer buying from a different company. If you listen closely, the ads state “people that switch” not “everybody who quotes” can get the lowest rates when switching. That is how insurance companies can confidently make claims that they all have the best prices.

This illustrates why it’s extremely important to do a quote comparison often. It is impossible to predict which company will have the lowest premium rates for your situation.

Specific coverages for a Volkswagen Passat

Learning about specific coverages of your car insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Auto collision coverage

Collision coverage will pay to fix damage to your Passat caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, colliding with a tree, driving through your garage door and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Volkswagen Passat.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive car insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, damage from getting keyed, hitting a deer and falling objects. The highest amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance

This protects you from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as structural damage, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for bills like dental work, X-ray expenses, pain medications, funeral costs and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Knowledge is power

In this article, we presented some good ideas how to reduce 1998 Volkswagen Passat insurance premium rates online. The key thing to remember is the more times you quote, the better likelihood of getting cheaper car insurance. You may even find the best price on insurance is with a company that doesn’t do a lot of advertising.

Insureds switch companies for a number of reasons such as poor customer service, denial of a claim, policy cancellation or even unfair underwriting practices. It doesn’t matter why you want to switch choosing a new insurance company is actually quite simple.

Budget-friendly insurance can be purchased both online as well as from insurance agents, so get free car insurance quotes from both of them to get a complete price analysis. Some companies may not offer price quotes online and usually these regional carriers provide coverage only through independent insurance agents.

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