1993 Volkswagen Passat Car Insurance Rates – 10 Ideas for Best Quotes

Want lower car insurance rates? Drivers have a choice when trying to find the best price on Volkswagen Passat insurance. You can either waste hours struggling with agents to get rate comparisons or use the internet to find the lowest rates. There are both good and bad ways to shop for car insurance and you need to know the best way to compare rates for your Volkswagen and find the cheapest rates either online or from local insurance agents.

You need to shop coverage around once or twice a year because car insurance prices fluctuate regularly. Even if you think you had the lowest rate on Passat coverage on your last policy a different company probably has better premium rates today. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the quickest way to eliminate unnecessary coverages and save money.

If you have insurance now or are looking for a new policy, you can use this information to shop for the lowest rates while maintaining coverages. This information will familiarize you with the best way to quote coverages and some money-saving tips. Vehicle owners only need an understanding of the best way to shop their coverage around online.

The quickest way to compare insurance rates in your area is to take advantage of the fact most insurance companies participate in online systems to provide you with a free rate quote. To start a quote, the only thing you need to do is spend a couple of minutes providing details such as whether you are married, daily mileage, if you lease or own, and how much education you have. Your information gets sent immediately to multiple insurance providers and they respond with quotes almost instantly.

If you would like to start a quote now, click here and enter your zip code.

Start a Quote Now

Find discounts on insurance

Companies that sell car insurance do not list every available discount in an easy-to-find place, so the list below gives a summary of both the well known in addition to some of the lesser obvious insurance savings.

  • Clubs and Organizations – Joining a qualifying organization could earn you a nice discount on your policy.
  • Driver Training Discounts – Completing a course that instructs on driving safety could cut 5% off your bill and easily recoup the cost of the course.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the medical payments premium.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and earn discounts up to 10% off your auto insurance quote.
  • Save with a New Car – Buying a new car instead of a used car can get you a discount due to better safety requirements for new vehicles.
  • Early Signing – Select insurance companies give a discount for renewing your policy early. You can save around 10% with this discount.
  • Student in College – Children who live away from home at college and leave their car at home may be able to be covered for less.
  • Discounts for Good Drivers – Insureds without accidents could pay up to 40% less on Passat coverage compared to accident prone drivers.
  • Onboard Data Collection – Insureds who allow data collection to monitor driving patterns by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they have good driving habits.
  • Early Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you can actually save on your bill.

Policy discounts save money, but some credits don’t apply to all coverage premiums. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears you could get a free insurance policy, it’s just not the way it works.

Companies and their possible discounts are included below.

  • American Family may offer discounts for mySafetyValet, good driver, multi-vehicle, TimeAway discount, early bird, good student, and air bags.
  • Farm Bureau has discounts for driver training, multi-vehicle, good student, youthful driver, and multi-policy.
  • State Farm may have discounts that include anti-theft, multiple policy, accident-free, safe vehicle, and driver’s education.
  • Travelers has savings for continuous insurance, student away at school, good student, multi-car, and new car.
  • The Hartford discounts include vehicle fuel type, defensive driver, bundle, driver training, air bag, good student, and anti-theft.
  • GEICO may include discounts for membership and employees, emergency military deployment, multi-policy, multi-vehicle, defensive driver, and five-year accident-free.
  • Progressive includes discounts for homeowner, online quote discount, multi-policy, continuous coverage, multi-vehicle, good student, and online signing.

If you are trying to find cheap auto insurance quotes, ask every prospective company to apply every possible discount. Some of the discounts discussed earlier might not be available to policyholders in your area. To find insurers that offer the discounts shown above, click here to view.

Tailor your car insurance coverage to you

When it comes to choosing coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight whether or not you may require specific advice.

  • How do I file an SR-22 for a DUI in my state?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I have a commercial auto policy?
  • What is the ISO rating for a 1993 Volkswagen Passat?
  • Are rental cars covered under my policy?
  • How high should deductibles be on a 1993 Volkswagen Passat?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverage information

Knowing the specifics of your policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Liability coverage

This coverage will cover damage that occurs to people or other property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as medical services, structural damage, attorney fees, court costs and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision insurance

This pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, crashing into a building, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Volkswagen Passat.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like funeral costs, prosthetic devices and ambulance fees. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a tree branch falling on your vehicle, damage from flooding, damage from getting keyed, falling objects and hitting a deer. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

The bottom line

You just learned many ideas to reduce 1993 Volkswagen Passat insurance rates online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting cheap auto insurance. Consumers could even find that the lowest rates are with some of the smallest insurance companies.

When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. There are too many instances where an insured cut physical damage coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase a proper amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.

Budget-friendly insurance coverage is available both online and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies may not provide rate quotes online and these small, regional companies prefer to sell through independent insurance agencies.

For more information, link through to these articles:

Start a Quote Now