2000 Volkswagen Passat Insurance Quotes

Drivers have options when trying to find affordable Volkswagen Passat insurance. They can either waste time driving around getting price quotes or leverage the internet to get rate quotes.

There are both good and bad ways to compare car insurance rates and you need to know the absolute fastest way to quote coverages for a Volkswagen and get the best price possible either online or from local insurance agents.

This information will instruct you on the most effective way to quote insurance and some money-saving tips. If you are paying for car insurance now, you should be able to cut costs considerably using these techniques. Drivers just need to learn the proper way to compare prices online.

How to buy insurance coverage online

All the larger insurance coverage companies allow consumers to get pricing on their websites. Obtaining pricing is quite simple as all you need to do is type in your coverage preferences as detailed in the form. When complete, their quoting system automatically orders information on your driving record and credit history and gives you a price quote.

Online quotes makes comparing rates easy, but the process of having to visit many different websites and complete many quote forms is a big time waster. But it’s necessary to perform this step if you want to get the lowest possible prices on insurance coverage.

The easiest way to find better insurance coverage pricing requires only one form that obtains quotes from a lot of companies. The form is fast, helps eliminate reptitive entry, and makes rate comparisons a lot less work. Once the form is submitted, your coverage is rated with multiple companies and you can pick any of the quotes that you receive.

If the quotes result in lower rates, you simply finish the application and buy the policy. The whole process just takes a couple of minutes and you’ll know if lower rates are available.

To quickly fill out one form to compare multiple rates now, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend that you enter identical to your current policy. This helps ensure you will get a fair comparison based on the exact same insurance coverage.

Double check you’re getting these discounts

Insurance coverage is not cheap nor is it fun to buy but you may qualify for discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time you complete a quote, but some may not be applied and must be specifically requested before being credited.

Multi-line Discount – If the company offers life insurance, you could get a lower insurance coverage rate if you buy some life insurance in addition to your auto policy.
Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
Braking Control Discount – Vehicles with ABS and/or traction control prevent accidents and will save you 10% or more.
Driver Education Discount – Have your child complete a driver education course in school or through a local driver safety program.
Discounts for Government Workers – Active or retired federal employment can save as much as 8% on Passat insurance depending on your company.
Early Switch Discount – Some insurance coverage companies reward drivers for buying a policy before your current coverage expires. It could save around 10% when you buy insurance coverage online.
College Student Discount – College-age children living away from home attending college and do not have a car can receive lower rates.
More Vehicles More Savings – Having primary and secondary vehicles with one company can reduce rates for all insured vehicles.

Remember that some credits don’t apply to your bottom line cost. Most only cut specific coverage prices like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, you aren’t that lucky.

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

State Farm may offer discounts for multiple policy, passive restraint, student away at school, multiple autos, and driver’s education.
Farmers Insurance offers premium reductions for youthful driver, good student, bundle discounts, homeowner, early shopping, and pay in full.
Progressive offers discounts including good student, homeowner, continuous coverage, multi-policy, online quote discount, multi-vehicle, and online signing.
Geico offers discounts for anti-lock brakes, driver training, seat belt use, military active duty, and air bags.
Auto-Owners Insurance may have discounts that include good student, safe vehicle, air bags, paid in full, mature driver, paperless, and multiple vehicles.
The Hartford may include discounts for bundle, air bag, defensive driver, driver training, anti-theft, good student, and vehicle fuel type.
Farm Bureau policyholders can earn discounts including multi-policy, safe driver, 55 and retired, multi-vehicle, driver training, renewal discount, and youthful driver.
USAA has discounts for vehicle storage, new vehicle, defensive driver, safe driver, and military installation.

If you want affordable insurance coverage quotes, ask all the companies which discounts you may be entitled to. Some of the earlier mentioned discounts might not be available to policyholders in your area. To see a list of providers with discount rates, click here to view.

Special considerations

When it comes to choosing the best car insurance coverage, there really is no cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions may help highlight if your insurance needs may require specific advice.

What should my uninsured motorist coverage limits be in my state?
Where can I find DUI or SR-22 insurance?
Can I get a multi-policy discount?
When would I need additional glass coverage?
Is my 2000 Volkswagen Passat covered for flood damage?
Do I need rental car coverage?
How do I buy GAP insurance?
Can I still get insurance after a DUI?
Is motorclub coverage worth it?
Am I covered if hit by an uninsured driver?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Auto insurance coverage information

Learning about specific coverages of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for collisions

Collision coverage covers damage to your Passat from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as rolling your car, sideswiping another vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, rock chips in glass, vandalism and hitting a deer. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance

This coverage provides protection from damage or injury you incur to other people or property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as structural damage, medical services and funeral expenses. How much coverage you buy is up to you, but you should buy as much as you can afford.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like chiropractic care, prosthetic devices and doctor visits. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage