View 1999 Volkswagen Passat Car Insurance Cost

Want better insurance rates for your Volkswagen Passat? Overpriced insurance can dry up your budget and make it impossible to make ends meet. Price shopping at each renewal is recommended to tighten up your finances.

Because you have many choices of insurance companies, it can be hard to choose the right insurance company.

Don’t overlook these insurance coverage discounts

Some insurers don’t always list every discount in an easy-to-find place, so the next list breaks down a few of the more common and the harder-to-find ways to save on insurance coverage.

  • Senior Citizen Rates – Drivers that qualify as senior citizens may qualify for lower premium rates on Passat insurance.
  • Data Collection Discounts – People who choose to allow their insurance coverage company to track vehicle usage by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they exhibit good driving behavior.
  • Anti-theft System – Cars equipped with anti-theft or alarm systems prevent vehicle theft so companies will give you a small discount.
  • No Charge for an Accident – Not a discount per se, but companies like Allstate and Progressive will turn a blind eye to one accident without the usual rate increase so long as you are claim-free for a certain period of time.
  • Military Discounts – Being deployed with a military unit may lower your premium rates slightly.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most only apply to the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts will help reduce the cost of coverage.

If you would like to view companies that offer some of these discounts, click here to view.

Compare free auto insurance rate quotes

Getting a cheaper price on 1999 Volkswagen Passat insurance is an easy way to save money. Drivers just need to take the time to compare free auto insurance quotes online with multiple companies. Shoppers can get rates in several different ways.

  1. The easiest and least time consuming way consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This style of form saves time by eliminating boring form submissions for each price estimate. One quote request gets insurance cost estimates from many national carriers.
  2. A different way to get quotes online requires you to visit the website for every company you want to comare to request a price quote. For example, let’s say you want to get rates from GEICO, Farmers and Allstate. You would be required to navigate to each company’s site and repeatedly enter your information, which can take a lot of time. For a handy list of car insurance company links in your area, click here.
  3. The hardest method of comparing rate quotes is physically going to and from local insurance agencies. The internet eliminates the need for an insurance agent unless you prefer the advice and guidance of an agent trained in personal lines coverage. Drivers can get the lowest quotes online and still use a local agent.

You can choose any of those ways to find more affodable coverage, but be certain you are entering identical quote data on every quote. If each company quotes different values for each quote it will be impossible to truly determine the lowest rate.

What affects Volkswagen Passat insurance costs?

Part of the auto insurance buying process is learning the factors that play a part in calculating your premiums. When you know what positively or negatively influences your rates, this helps enable you to make changes that will entitle you to lower auto insurance prices.

  • Marriage can lower prices – Having a wife or husband may save some money on your auto insurance bill. Marriage means you’re more responsible and statistics show married drivers tend to file fewer claims.
  • Men tend to take more risk – The statistics show that females take fewer risks when driving. Now that doesn’t mean men are worse drivers. They both cause accidents in similar numbers, but men get into accidents with more damage. Not only are claims higher, but men get cited for more serious violations such as DWI and reckless driving.
  • Advanced alarm systems – Selecting a car model that has a built-in theft deterrent system can earn a premium discount. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent car theft and help bring rates down.
  • Safer cars save money – Vehicles with high crash test scores tend to have lower insurance rates. Highly rated vehicles help reduce the chance of injuries in an accident and fewer serious injuries means lower claim amounts and thus lower rates.
  • Car insurance liability protection limits – A critical coverage on your policy, liability insurance kicks in in the event that a court rules you are at fault for causing personal injury or damage in an accident. Liability insurance provides you with a defense in court to attempt to prove you were not liable. Liability is cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • Stay claim-free and reduce premiums – Auto insurance companies generally give most affordable rates to policyholders who file claims infrequently. If you file a lot of claims you can expect either policy cancellation or increased premiums. Auto insurance is intended for larger claims.
  • Your vocation may affect auto insurance rates – Did you know that where you work can have an impact on rates? Occupational choices like doctors, architects and miners generally have higher premiums than the average policyholder in part from intense work requirements and incredibly demanding work hours. Conversely, occupations such as farmers, students and the unemployed generally pay rates lower than average on Passat insurance.

When to get professional advice

When it comes to choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine whether you may require specific advice.

  • Does my insurance cover my expensive audio equipment?
  • Which companies will insure high-risk drivers?
  • Do I have any recourse if my insurance company denies a claim?
  • Where can I find DUI or SR-22 insurance?
  • Is my camper covered by my car insurance policy?
  • Do I need an umbrella policy?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Ads can be misleading

Drivers get pounded daily by advertisements for the lowest price insurance coverage by companies like State Farm, GEICO and Progressive. They all seem to state the claim that you’ll save big if you just switch your coverage to them.

How does every company charge you a lower premium? You have to listen carefully.

Insurance coverage companies have specific characteristics for the type of driver that will add to their bottom line. For instance, a profitable insured may be married and over the age of 30, has no claims, and drives a lower-performance vehicle. Anybody who fits those characteristics will qualify for the lowest car insurance rates and will most likely save when switching.

Potential customers who don’t qualify for the requirements will get higher rates which leads to the customer buying from someone else. The ads say “drivers that switch” not “everyone who quotes” save that kind of money. This is how insurance companies can confidently make those claims.

Different companies use different criteria so you absolutely need to get price quotes at each policy renewal. It’s just too difficult to predict the company that will have the best prices at this point in time.

Educate yourself about auto insurance coverages

Having a good grasp of auto insurance can help you determine the right coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages found on the average auto insurance policy.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, a broken windshield, fire damage, a tree branch falling on your vehicle and vandalism. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability

Liability insurance protects you from damage or injury you incur to a person or their property. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as medical services, pain and suffering, attorney fees, repair costs for stationary objects and loss of income. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sustaining damage from a pot hole, colliding with another moving vehicle, rolling your car, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Volkswagen Passat.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like X-ray expenses, rehabilitation expenses, pain medications, funeral costs and ambulance fees. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

More quotes mean more savings

Lower-priced car insurance can be sourced on the web and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies may not offer internet price quotes and many times these small, regional companies only sell coverage through independent agencies.

In this article, we covered a lot of techniques to compare 1999 Volkswagen Passat insurance auto insurance rates online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your premium rates. You may even find the lowest priced car insurance comes from a small mutual company. Smaller companies can often provide lower premium rates in certain areas as compared to the big name companies such as Progressive or GEICO.

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