Lower Your 1999 Volkswagen Passat Insurance Quotes

Buyers have options when searching for low-cost Volkswagen Passat insurance. You can either spend your time driving around to compare prices or leverage the internet to find the lowest rates.

There are more efficient ways to shop for insurance coverage so we’re going to tell you the absolute fastest way to get price quotes for your Volkswagen and get the lowest possible price from both online companies and local agents.

It is always a good idea to quote other rates quite often because insurance coverage prices are rarely the same from one policy term to another. Just because you found the lowest price for Passat coverage a year ago you will most likely find a better rate today. Ignore everything you know about insurance coverage because you’re going to learn the best way to find better rates and still maintain coverage.

If you are insured now or are just looking to switch companies, you can use this information to cut your premiums and still get good coverage. The purpose of this post is to let you in on the most effective way to quote insurance. Vehicle owners only need an understanding of how to compare company rates over the internet.

Get affordable rates with these insurance coverage discounts

Companies do not list every available discount very clearly, so the list below contains both well-publicized as well as some of the hidden credits that may apply to you.

  • Telematics Data – People who choose to allow their insurance coverage company to look at vehicle usage by using a telematics device like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates as long as they are good drivers.
  • Driver Training Discounts – Participating in a defensive driver class can save you 5% or more and make you a better driver.
  • Multiple Vehicles – Buying a policy with primary and secondary vehicles with the same insurance coverage company can get a discount on all vehicles.
  • Claim Free – Drivers who stay claim-free can earn big discounts as opposed to frequent claim filers.
  • Bundle and Save – When you combine your homeowners and auto insurance and insure them both with the same insurance company you could earn a discount of 10% to 20% off each policy.
  • Government Employee Discount – Being employed by or retired from a federal job can earn a discount up to 10% for Passat coverage but check with your company.
  • Waiver for an Accident – Not really a discount, but companies like Liberty Mutual and Geico will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • Drivers Ed for Students – Have your child enroll in driver’s education in school or through a local driver safety program.
  • Memberships – Belonging to certain professional organizations could qualify you for a break when shopping for insurance coverage.
  • ABS Braking Discount – Cars and trucks equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.

Please keep in mind that some of the credits will not apply to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will reduce your policy premiums.

A few of the larger companies and the discounts they provide are detailed below.

  • AAA may have discounts that include multi-car, multi-policy, AAA membership discount, pay-in-full, education and occupation, and anti-theft.
  • Progressive offers premium reductions for online quote discount, continuous coverage, online signing, multi-vehicle, homeowner, and good student.
  • State Farm discounts include passive restraint, multiple policy, Drive Safe & Save, safe vehicle, defensive driving training, student away at school, and Steer Clear safe driver discount.
  • Esurance has discounts for DriveSense, safety device, anti-theft, online shopper, and renters.
  • Nationwide may offer discounts for family plan, easy pay, Farm Bureau membership, multi-policy, defensive driving, and accident-free.

If you need affordable auto insurance quotes, ask all the companies to give you their best rates. Some discounts may not be offered everywhere. To find companies that offer some of these discounts, click here to view.

How to compare insurance coverage quotes

All the larger insurance coverage companies allow you to get insurance quotes online. Comparing prices online is quite simple because it’s just a matter of typing in the amount of coverage you want into the form. When the form is submitted, their quoting system gets information on your driving record and credit history and quotes a price.

This makes comparing rates easy, but having to visit different websites and complete many quote forms is repetitive and time-consuming. But it is imperative to compare as many rates as possible if you want to find the lowest price.

The preferred way to compare rates makes use of a single form that gets prices from a bunch of companies at once. It saves time, eliminates form submissions, and makes online price comparison much easier to do. After sending the form, it gets priced and you are able to buy any of the resulting price quotes.

If you find a better price you can simply submit the application and purchase the new policy. This process takes 15 minutes at the most and may result in a nice savings.

To quickly compare pricing, simply click here to open in new window and fill out the form. If you currently have coverage, we recommend you type in the limits and deductibles identical to your current policy. This way, you will have a fair comparison using the exact same coverages.

Learn how to lower your insurance prices

Many factors are used when quoting car insurance. A few of the factors are predictable such as your driving history, although others are not as apparent such as your credit history or how safe your car is.Consumers need to have an understanding of some of the elements that aid in calculating the level of your policy premiums. If you understand what determines premiums, this empowers consumers to make smart changes that can earn you big savings.

  • Accidents can be expensive – Attentive drivers tend to pay less for car insurance as compared to careless drivers. Having a single driving citation can increase rates by twenty percent. Drivers who have received dangerous citations such as reckless driving, hit and run or driving under the influence might be required by their state to submit a SR-22 form with the DMV in their state in order to prevent a license revocation.
  • Keep insurance claims to a minimum – If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Insurance companies provide better rates to drivers who do not rely on their insurance for small claims. Auto insurance is designed for the large, substantial claims.
  • Commute or pleasure use – The more miles you rack up on your Volkswagen in a year the more it will cost to insure it. Many insurance companies calculate rates based upon how the vehicle is primarily used. Cars that do not get driven very much qualify for better rates as compared to vehicles used primarily for driving to work. Improper usage on your Passat is throwing money out the window. Verify your declarations sheet properly reflects the correct driver usage.
  • Never let your insurance policy lapse – Driving without insurance is against the law and you will pay a penalty because you let your coverage cancel without a new policy in place. Not only will you pay more, getting caught without coverage will get you fines or a revoked license.
  • Bundle home and auto and save – Most major insurance companies afford discounts to policyholders who have multiple policies with them such as combining an auto and homeowners policy. The amount of the discounts can be ten or even fifteen percent. Even if you’re getting this discount it’s still a good idea to check prices from other companies to ensure the best deal.
  • Can a thief steal your car? – Owning a car with advanced anti-theft systems can help lower your premiums. Advanced theft deterrents such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.

Auto insurance can get complicated

When it comes to choosing coverage, there is no “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions might help in determining if your insurance needs might need an agent’s assistance.

  • Is motorclub coverage worth it?
  • What if I owe more than I can insure my car for?
  • Do I have coverage when making deliveries for my home business?
  • Does my policy pay for OEM or aftermarket parts?
  • How much can I save by bundling my policies?
  • Does insurance cover tools stolen from my truck?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Insurance policy specifics

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses such as X-ray expenses, funeral costs, EMT expenses, surgery and pain medications. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

This will pay to fix damage to your Passat resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like backing into a parked car, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Auto liability

This coverage protects you from damage or injury you incur to other people or property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like emergency aid, funeral expenses and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, vandalism, theft, hitting a deer and falling objects. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Volkswagen Passat.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Make an honest buck

When you buy auto insurance online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut full coverage to discover at claim time they didn’t have enough coverage. The aim is to purchase plenty of coverage at the best cost while still protecting your assets.

The cheapest 1999 Volkswagen Passat insurance is possible from both online companies and also from your neighborhood agents, so get free auto insurance quotes from both of them to have the best selection. There are still a few companies who do not provide the ability to get quotes online and many times these smaller providers work with independent insurance agents.

Consumers change insurance companies for many reasons like delays in responding to claim requests, policy non-renewal, being labeled a high risk driver or questionable increases in premium. Regardless of your reason, finding a new company can be less work than you think.

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