2001 Volkswagen Passat Insurance Quotes

Pricey Volkswagen Passat insurance can consume your bank account and force you to make sacrifices. Comparing rate quotes is free, only takes a few minutes, and is a good way to make ends meet.

Companies like Allstate and Progressive promote their brand names with advertising and it can be hard to see through the deception and do the work needed to find the best deal.

How to buy car insurance

Finding cheap 2001 Volkswagen Passat car insurance rates can be quick and easy. You just have to take the time comparing rate quotes from online providers. Comparing prices online can be done in just a few minutes using one of these methods.

1. The fastest way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This style of form keeps you from doing repetitive form entry for every car insurance company. Completing one form compares rates from several companies.
2. A less efficient way to obtain and compare quotes online consists of going to the website of each company and request a quote. For instance, let’s assume you want to compare prices for Liberty Mutual, Farmers and American Family. To get each rate you have to spend time going to each site individually and enter your policy data, which is why most consumers use the first method.

   For a handy list of car insurance company links in your area, click here.

However you get your quotes, do your best to use the same information on every price quote you get. If you compare unequal deductibles or liability limits you will not be able to determine which company has the best rates.

Do I just need basic coverages?

When buying the best auto insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether or not you might need professional guidance.

• Are my friends covered when driving my 2001 Volkswagen Passat?
• Is my trailer covered?
• Does my policy pay for OEM or aftermarket parts?
• Does my personal policy cover me when driving out-of-state?
• What happens if I owe more than my 2001 Volkswagen Passat is worth?
• Should I buy additional glass protection?
• How do I insure my teen driver?
• Do I have coverage when making deliveries for my home business?
• Should I buy only the required minimum liability coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It is quick, free and can provide invaluable advice.

Auto insurance 101

Having a good grasp of car insurance can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on most car insurance policies.

Collision insurance

Collision coverage covers damage to your Passat resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with another moving vehicle, sustaining damage from a pot hole, hitting a parking meter, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, damage from flooding, theft, fire damage and damage from a tornado or hurricane. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 2001 Volkswagen Passat.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as EMT expenses, doctor visits, hospital visits, surgery and prosthetic devices. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability coverage provides protection from damage or injury you incur to people or other property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like pain and suffering, attorney fees and court costs. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.