1990 Volkswagen Passat Insurance Rates

Looking for better insurance rates? Shoppers have options when shopping for the lowest priced Volkswagen Passat insurance. They can either spend hours calling around getting price quotes or leverage the internet to find the lowest rates. There is a right way and a wrong way to find insurance online and we’ll show you the proper way to get price quotes for your Volkswagen and get the lowest price.

It’s smart to take a look at other company’s rates on a regular basis since prices are variable and change quite frequently. Just because you found the best rates for Passat coverage six months ago there may be better deals available now. Forget all the misinformation about insurance because you’re about to find out how to use online quotes to eliminate unnecessary coverages and save money.

Compare free insurance quotes

There are a lot of ways you can shop for insurance and some are less labor-intensive and much quicker. You could spend the better part of a day talking to insurance agencies in your area, or you could save time and use the web to accomplish the same thing much quicker.

Many insurance companies are enrolled in a marketplace that allows shoppers to send in one quote, and every company provides a quote based on that information. This prevents consumers from doing quote requests to every company.

To participate in this free quote system, click to open in new window.

The one disadvantage to pricing coverage this way is that you can’t choose which providers to get quotes from. If you prefer to choose specific insurance companies for rate comparison, we have a listing of low cost insurance companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but make sure you compare the exact same deductibles and coverage limits on every price quote you get. If you use different values for each quote it will be impossible to make an equal comparison.

Cheaper rates with these discounts

Car insurance is not cheap, but you might already qualify for some discounts that many people don’t even know exist. Many discounts should be triggered when you complete an application, but a few must be asked for before being credited.

  • Air Bag Discount – Vehicles equipped with air bags can receive discounts of more than 20%.
  • Waiver for an Accident – This isn’t a discount exactly, but a handful of insurance companies will let one accident slide before hitting you with a surcharge with the catch being you have to be claim-free prior to the accident.
  • Multi-Vehicle Discounts – Buying insurance for all your vehicles with the same company can get a discount on all vehicles.
  • Switch and Save Discount – A few companies give discounts for signing up prior to the expiration date on your current policy. It can save you around 10%.
  • Auto/Life Discount – Insurance carriers who offer life insurance give a break if you buy some life insurance in addition to your auto policy.

It’s important to understand that some of the credits will not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, you aren’t that lucky.

Larger insurance companies and some of the premium reductions they offer are included below.

  • Progressive may include discounts for online signing, good student, homeowner, multi-vehicle, continuous coverage, and multi-policy.
  • GEICO offers premium reductions for anti-theft, driver training, multi-policy, anti-lock brakes, federal employee, and membership and employees.
  • State Farm may have discounts that include anti-theft, multiple autos, student away at school, multiple policy, driver’s education, passive restraint, and safe vehicle.
  • Esurance policyholders can earn discounts including anti-theft, homeowner, DriveSense, emergency road assistance, and multi-car.
  • The Hartford offers discounts including anti-theft, defensive driver, driver training, air bag, vehicle fuel type, good student, and bundle.

When quoting, ask all companies you are considering the best way to save money. Some of the earlier mentioned discounts might not be offered in your state. If you would like to see a list of providers who offer discounts, click this link.

Find Volkswagen Passat insurance cheaper

Part of the auto insurance buying process is learning the factors that help calculate the level of your policy premiums. If you have a feel for what controls the rates you pay, this allows you to make good choices that could result in lower rates. Many different elements are used when quoting car insurance. Some are pretty understandable such as traffic violations, although some other factors are less obvious such as whether you are married or your vehicle rating.

  • Big cities mean more claims – Having an address in areas with lower population can save you money when it comes to auto insurance. Fewer drivers and short commutes means less chance of accidents and also fewer theft and vandalism claims. Drivers in populated areas tend to have more auto accidents and a longer drive to work. Spending more time driving can result in more accidents.
  • Prices for men may be higher – Over the last 50 years, statistics have shown females are less aggressive when driving. This data doesn’t prove that women are BETTER drivers than men. Men and women get in at-fault accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also get more serious tickets such as reckless driving.
  • Liability coverage limits should be high – A critical coverage on your policy, liability insurance is the protection if you are responsible for damages caused by your negligence. Your policy’s liability insurance provides for a legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so buy as much as you can afford.
  • Credit rating impacts rates – Credit rating is a large factor in calculating your auto insurance rates. So if your credit rating is not that good, you could save money insuring your 1990 Volkswagen Passat by improving your rating. Consumers who have excellent credit scores tend to file fewer claims and have better driving records than those with poor credit scores.
  • Low stress occupation equals lower rates – Did you know your auto insurance rates can be affected by your occupation? Careers like judges, executives and dentists tend to have the highest rates in part from intense work-related stress and extremely grueling work hours. On the flip side, occupations like actors, students and homemakers have the lowest average rates for Passat coverage.

Insurance can be complex

When choosing the best insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different.

For instance, these questions may help you determine whether you could use an agent’s help.

  • Should I buy more coverage than the required minimum liability coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • How much liability do I need to cover my assets?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my insurance cover my expensive audio equipment?
  • Is pleasure use cheaper than using my 1990 Volkswagen Passat to commute?
  • Am I covered by my spouse’s policy after a separation?
  • Can I get a multi-policy discount?
  • What can I do if my company denied a claim?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Insurance coverage basics

Knowing the specifics of a insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability insurance

This coverage provides protection from damages or injuries you inflict on a person or their property in an accident. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like funeral expenses, emergency aid, legal defense fees and court costs. How much coverage you buy is up to you, but buy as much as you can afford.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses like chiropractic care, ambulance fees and surgery. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance covers damage to your Passat resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a building, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Volkswagen Passat.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive coverages

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like vandalism, falling objects and hitting a bird. 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 dropping full coverage.

Shop around and save

We just presented quite a bit of information on how to lower your 1990 Volkswagen Passat insurance car insurance rates. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding inexpensive insurance. You may even find the lowest priced insurance comes from a lesser-known regional company.

As you shop your coverage around, do not reduce coverage to reduce premium. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. Your focus should be to purchase a proper amount of coverage at the best price, but do not skimp to save money.

Consumers change insurance companies for a variety of reasons including an unsatisfactory settlement offer, being labeled a high risk driver, high prices or high rates after DUI convictions. No matter why you want to switch, finding a great new company is pretty simple and you could end up saving a buck or two.

More detailed insurance information can be found at these sites: