Save on 1991 Volkswagen Passat Insurance Cost

Looking for lower auto insurance rates for your Volkswagen Passat? Finding low-cost insurance for a Volkswagen Passat can turn out to be difficult, but you can follow the following methods and make it easy.

There is a right way and a wrong way to buy auto insurance and we’ll show you the proper way to compare rates on a Volkswagen and obtain the lowest price.

Free insurance coverage price quotes

Reducing your 1991 Volkswagen Passat insurance rates is surprisingly easy. You just have to take a few minutes comparing free auto insurance quotes to see which company has affordable auto insurance quotes. Price comparisons can be done in several different ways.

• If you are pressed for time, the simplest way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This form prevents you from having to do repetitive form entry for every company. Just one form will get you price quotes from multiple low-cost companies. Just one form and you’re done.
• A more time consuming way to analyze rates consists of going to each individual company website to complete their respective quote request forms. For sake of this example, let’s assume you want to compare prices for Auto-Owners, Progressive and Farmers. In order to compare rates, you need to navigate to each company’s site and punch in your information repeatedly, which can get old fast. For a list of companies in your area, click here.
• The final way to shop rates is calling or driving to different agent offices. Quoting and buying insurance online has reduced the need for local agents unless you have a complicated situation and need the professional advice of an agent trained in personal lines coverage. If you prefer, some companies allow you to price shop online but have your policy serviced through an agent.

It doesn’t matter which method you choose, just compare the exact same coverage data on every quote you get. If your comparisons have higher or lower deductibles it will be very difficult to find the best deal for your Volkswagen Passat.

Slash your car insurance rates with discounts

Car insurance companies don’t list their entire list of discounts very well, so here is a list both well-publicized and the more hidden ways to save on car insurance. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

• Anti-theft Discount – Cars that have factory anti-theft systems are stolen with less frequency and will save you 10% or more.
• Payment Discounts – By paying your entire bill at once instead of making monthly payments you could save up to 5%.
• Resident Student – Youth drivers who are enrolled in a college that is more than 100 miles from home and leave their car at home could qualify for this discount.
• Fewer Miles Equal More Savings – Low annual miles could earn cheaper prices.
• Driver Safety – Participating in a course in safe driver could cut 5% off your bill if you qualify.
• Onboard Data Collection – Policyholders that allow their insurance company to analyze driving patterns through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if they exhibit good driving behavior.
• Multi-Vehicle Discounts – Buying insurance for primary and secondary vehicles on one policy may reduce the rate for each vehicle.

As a footnote on discounts, most discount credits are not given to the overall cost of the policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like all the discounts add up to a free policy, you aren’t that lucky.

To view companies who offer cheap car insurance quotes, click here to view.

You are unique and your insurance should be too

When buying the best insurance coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.

For instance, these questions can aid in determining whether or not you would benefit from professional advice.

• Is my camper covered by my car insurance policy?
• Is business equipment covered while in my vehicle?
• Do I need more liability coverage?
• What is high-risk coverage and where do I buy it?
• Why is insurance for a teen driver so high?
• Do I benefit by insuring my home with the same company?
• When do I need to add a new car to my policy?
• How do I insure my teen driver?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Car insurance 101

Understanding the coverages of your car insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive protection

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, damage from flooding, a tree branch falling on your vehicle and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision protection

This covers damage to your Passat resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like sustaining damage from a pot hole, colliding with a tree, rolling your car, damaging your car on a curb and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your 1991 Volkswagen Passat.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like hospital visits, pain medications, nursing services, rehabilitation expenses and X-ray expenses. They can be used in conjunction with a health insurance program or if you do not have health coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability coverage provides protection from damage that occurs to a person or their property by causing an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims like medical services, court costs, loss of income, attorney fees and structural damage. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.