1995 Volkswagen Passat Insurance Rates

Trying to find better insurance rates for your Volkswagen Passat? Having to pay for expensive insurance can sap your personal savings and force you to prioritize other expenses. Performing a rate comparison is free, only takes a few minutes, and is a good way to make ends meet.

Vehicle owners have so many car insurance companies to insure vehicles with, and although it’s a good thing to have multiple companies, it can be more challenging to find a good deal.

It’s a great practice to do price comparisons as often as possible since prices fluctuate regularly. Despite the fact that you may have had the lowest rates for Passat coverage a couple years back a different company probably has better premium rates today. Forget all the misinformation about insurance because it’s time to teach you the proper way to reduce your cost while increasing coverage.

Use discounts to get cheaper insurance coverage rates

Companies don’t always advertise every policy discount very well, so the list below details a few of the more well known as well as some of the hidden discounts that you may qualify for.

  • ABS Brakes – Vehicles with ABS braking systems or traction control can stop better under adverse conditions and the ABS can save up to 10%.
  • Defensive Driving Course – Taking part in a course in driver safety can save you 5% or more and also improve your driving technique.
  • Cautious Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Passat coverage as compared to drivers with claims.
  • Life Insurance – Insurance carriers who offer life insurance give lower prices if you buy life insurance from them.
  • Claim-Free Discount – Good drivers with no accidents pay less when compared to accident-prone drivers.

You should keep in mind that some credits don’t apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though you would think having all the discounts means you get insurance for free, it’s just not the way it works.

Some of the larger companies that may include these money-saving discounts possibly include:

If you need affordable auto insurance quotes, ask each insurance company how many discounts you can get. Some of the earlier mentioned discounts may not apply to policyholders in your state. If you would like to view insurers that can offer you the previously mentioned discounts, click here.

How to shop insurance coverage online

To get cheap auto insurance quotes, there a variety of ways to obtain and compare prices from different companies. The recommended way to comparison shop consists of obtaining rate quotes online. This can be accomplished in just a few minutes using one of these methods.

  1. Without a doubt, the easiest way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This method prevents you from having to do separate quotation requests for each price estimate. In just a few minutes this one form will get you rate comparisons instantly.
  2. A more difficult way to find lower rates consists of going to each company’s website and go through the quote process again. For sake of this example, let’s assume you want to compare prices for Liberty Mutual, State Farm and Progressive. To find out each rate you need to go to each individual site and enter your information, which is not fast way to get rate quotes.

    For a list of links to companies insuring cars in your area, click here.

  3. The hardest way to get rate quotes is to waste gas driving to insurance agents’ offices. Comparing online rate quotes can eliminate the need for a local agent unless you’re the type of person who wants the extra assistance only provided by licensed agents. It is possible with some companies compare online quotes and get advice from an agent in your area.

Take whichever approach you prefer, but double check that you are using the exact same coverage limits for every quote you compare. If you use mixed coverages then you won’t be able to make an equal comparison. Just a small difference in coverage limits may result in large price differences. Keep in mind that comparing more rates from different companies helps increase your odds of locating a better price.

How your Passat insurance prices are determined

Lots of factors are considered when premium rates are determined. Some are obvious like an MVR report, but other factors are less obvious like your vehicle usage and annual miles driven.Smart consumers have a good feel for the rating factors that help determine your auto insurance rates. If you have a feel for what determines premiums, this allows you to make educated decisions that could result in much lower annual insurance costs.

The factors shown below are some of the most rate-impacting factors that factor into your premiums.

  • Never allow your auto insurance to lapse – Not having insurance is illegal and companies may charge more for letting your insurance expire. Not only will you pay higher rates, being ticketed for driving with no insurance might get you fines and jail time. You could then be forced to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Gender as a rate factor – Statistics show that women are safer drivers than men. However, don’t assume that females are better drivers. Both genders tend to get into at-fault accidents at a similar rate, but the males get into accidents with more damage. Men also get more serious tickets such as reckless driving.
  • Limits of liability insurance – Your auto insurance policy’s liability coverage is the protection when you are responsible for causing personal injury or damage in an accident. Liability insurance provides you with a defense in court which can be incredibly expensive. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Cars with good safety ratings cost less to insure – Cars with high safety ratings tend to have lower insurance rates. Highly rated vehicles protect occupants better and lower rates of occupant injuries translates into savings for insurance companies which can mean better rates for you.
  • With age comes responsibility – More mature drivers are more responsible, cause fewer claims and accidents , and are generally more financially stable.Drivers with little experience are known to be inattentive when at the wheel of a vehicle so they pay higher auto insurance rates.
  • Long commutes cost more – The higher the mileage driven every year the more it will cost to insure it. Many insurance companies apply a rate determined by how the vehicle is used. Cars not used for work or commuting receive lower rates than vehicles that are driven to work every day. An improperly rated Passat is throwing money out the window. It’s a good idea to make sure your auto insurance policy correctly shows the correct usage, because it can save money.
  • Credit rating impacts rates – An insured’s credit score factor in determining what you pay. People with good credit tend to file fewer claims and have better driving records as compared to drivers with lower credit scores. Therefore, if your credit rating could use some work, you could potentially save money when insuring your 1995 Volkswagen Passat by taking the time to improve your credit score.
  • Policy add-ons may not be needed – Insurance policies have a lot of additional extra coverages that can waste your money when buying auto insurance. Coverages like vanishing deductibles, high-cost glass coverage, and extra life insurance coverage are examples of these. They may sound like good ideas when discussing your needs, but if you’ve never needed them in the past consider taking them off your policy.

Tailor your insurance coverage to you

When buying the best insurance coverage, there really is no best way to insure your cars. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that might help in determining whether your personal situation might need an agent’s assistance.

  • Should I have a commercial auto policy?
  • What is the difference between comprehensive and collision coverage?
  • Should I sign the liability waiver when renting a car?
  • Does coverage extend to a rental car in a foreign country?
  • Is my state a no-fault state?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Auto insurance coverage information

Having a good grasp of a auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages found on the average auto insurance policy.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like X-ray expenses, EMT expenses, chiropractic care and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Collision insurance

Collision insurance will pay to fix damage to your Passat resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like scraping a guard rail, sustaining damage from a pot hole, hitting a parking meter, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Volkswagen Passat.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverages

This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from a tornado or hurricane, a tree branch falling on your vehicle and vandalism. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance

This coverage will cover injuries or damage you cause to other people or property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as medical expenses, legal defense fees, structural damage and emergency aid. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Shop Smart and Save

You just read some good ideas how you can compare 1995 Volkswagen Passat insurance prices online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest priced insurance comes from some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like Progressive or GEICO.

Cheaper 1995 Volkswagen Passat insurance is definitely available both online and from local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who may not offer online price quotes and most of the time these smaller companies work with local independent agencies.

To learn more, feel free to browse the resources below: