Save on 1997 Volkswagen Passat Car Insurance Quotes

Trying to find cheaper insurance coverage rates? Buyers have lots of choices when searching for affordable Volkswagen Passat insurance. You can either waste hours calling around to compare prices or save time using the internet to make rate comparisons.

There are more efficient ways to buy insurance coverage so we’re going to tell you the proper way to quote coverages for a new or used Volkswagen and locate the cheapest rates from both online companies and local agents.

You should make it a habit to get comparison quotes occasionally because insurance prices are variable and change quite frequently. Just because you found the best rate on Passat insurance last year you will most likely find a better premium rate today. Forget all the misinformation about insurance coverage because it’s time to teach you the quickest way to remove unneeded coverages and save money.

Auto insurance discounts are available to reduce your rates

Car insurance companies don’t necessarily list every possible discount very clearly, so the list below details a few of the more well known as well as the least known ways to save on auto insurance.

  • Senior Citizen Rates – Drivers over the age of 55 can get reduced rates on Passat insurance.
  • Bundle and Save – When you combine your auto and homeowners insurance and insure them with the same company you will save over 10 percent off each policy depending on the company.
  • Active Service Discounts – Having a family member in the military could be rewarded with lower rates.
  • Discounts for Government Workers – Active or former government employment may reduce rates when you quote car insurance on Passat insurance depending on your auto insurance provider.
  • Passenger Safety Discount – Options like air bags or automatic seat belts may get savings of 20 to 30 percent.
  • Driver’s Ed – Have your child complete a driver education course as it can save substantially.

One last thing about discounts, some credits don’t apply to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. So when it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.

A few companies that have many of the previously listed discounts include:

Double check with every company which discounts they offer. Some of the discounts discussed earlier might not be offered in your area.

Which auto insurance is cheapest?

Lowering your 1997 Volkswagen Passat auto insurance rates can be quick and easy. You just need to take a couple of minutes comparing rate quotes to find the company with cheaper car insurance quotes. This is very easy and can be done using a couple different methods.

  1. Hands down the most simple method to find low rates is to use a rate comparison form click here to open form in new window. This form eliminates the need for separate forms for every company. One form submission gets prices estimates from all major companies. This is by far the quickest method.
  2. A slightly less efficient method to find more affordable insurance is to take the time to go to each individual company website to complete a price quote. For sake of this example, let’s say you want to view quotes from Progressive, Safeco and Liberty Mutual. You would be required to go to every website and enter your information, and that explains why we recommend the first method. For a list of companies in your area, click here.

Which method you use is up to you, but double check that you are using the exact same coverages and limits on every price quote you get. If the quotes have unequal deductibles or liability limits then you won’t be able to make an equal comparison.

Learn how to lower your insurance premiums

Many different elements are part of the equation when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, although others are not as apparent such as whether you are married or how financially stable you are.

  • Your address can push rates up or down – Being located in smaller towns and rural areas of the country is a good thing if you are looking for the lowest rates. People in densly populated areas regularly have much more traffic and a longer drive to work. Fewer people means less chance of accidents and a lower car theft rate.
  • Avoid traffic tickets – Drivers who don’t get tickets have lower premiums compared to bad drivers. Getting just one speeding ticket may increase your cost by as much as twenty percent. Drivers with serious citations like hit and run, DWI or reckless driving convictions may be required to maintain a SR-22 with their state in order to prevent a license revocation.
  • Liability is critical – A critical coverage on your policy, liability insurance will protect you in the event that you are determined to be liable for damages caused by your negligence. Your policy’s liability insurance provides you with a defense in court up to the limits shown on your policy. This coverage is relatively inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
  • Gals tend to cost less – Statistics have proven women are more cautious behind the wheel. It does not mean women are BETTER drivers than men. Women and men have auto accidents in similar percentages, but men get into accidents with more damage. Men also statistically get higher numbers of serious violations like DWI (DUI) or reckless driving. Teenage male drivers tend to get in the most accidents and therefore pay the highest rates.

Everyone needs different auto insurance coverages

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Each situation is unique.

For example, these questions might point out whether your personal situation might need an agent’s assistance.

  • If my pet gets injured in an accident are they covered?
  • What can I do if my company denied a claim?
  • What is the ISO rating for a 1997 Volkswagen Passat?
  • Is my custom paint covered by insurance?
  • How high should my medical payments coverage be?
  • When would I need additional glass coverage?
  • Do I need roadside assistance coverage?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

Can switching companies really save?

Drivers constantly see and hear ads that claim the lowest prices from the likes of State Farm, GEICO and Progressive. They all have a common claim about savings just by moving your coverage to them.

How does each company charge you less for car insurance? You have to listen carefully.

Many companies have a preferred profile for the type of customer that will generate a profit. For example, a desirable insured might be between 30 and 50, has no claims, and has a high credit rating. A driver who fits those characteristics gets the lowest car insurance rates and have a good chance to save when switching.

Drivers who do not meet those criteria will be charged higher premiums which translates to the customer not buying. Company advertisements say “people that switch” not “everyone who quotes” save the amount stated. This is how companies can truthfully make claims like that.

Because every company is different, drivers must get car insurance quotes as often as possible. You cannot predict which insurance company will give you the biggest savings.

What auto insurance coverages do you need?

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

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as damaging your car on a curb, crashing into a ditch, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like vandalism, damage from flooding and hitting a bird. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Volkswagen Passat.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Liability coverages – Liability insurance can cover injuries or damage you cause to people or other property. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like repair costs for stationary objects, pain and suffering and medical services. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Insurance for medical payments – Med pay and PIP coverage reimburse you for expenses like surgery, X-ray expenses, rehabilitation expenses and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Summing up your insurance coverage search

Consumers switch companies for many reasons like an unsatisfactory settlement offer, being labeled a high risk driver, high prices and even unfair underwriting practices. It doesn’t matter why you want to switch choosing a new company is not as difficult as it may seem.

Cheaper insurance coverage can be found online and from local insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not provide the ability to get a quote online and most of the time these regional carriers only sell coverage through independent insurance agencies.

As you quote car insurance, you should never reduce coverage to reduce premium. In many cases, an insured cut uninsured motorist or liability limits only to regret that they should have had better coverage. The goal is to get the best coverage possible at a price you can afford and still be able to protect your assets.

Additional insurance coverage information can be found at these links: