2004 Volkswagen Passat Insurance Quotes

Trying to find lower auto insurance rates for your Volkswagen Passat? Are you a victim of an expensive auto insurance policy? You’re in good company because many drivers feel the same as you. People have many auto insurance companies to buy insurance from, and although it’s nice to have a choice, more options can take longer to adequately compare rates.

Choosing the best insurance company for you is not that difficult. If you have car insurance now, you will be able to save some money using these methods. Consumers only need to know the most effective way to compare company rates on the web.

Five things that affect your insurance prices

Multiple criteria are used when quoting car insurance. Some of the criteria are obvious such as your driving record, but other criteria are not as apparent such as whether you are married or your commute time.An important part of buying insurance is that you know the factors that aid in calculating the rates you pay for insurance. If you have some idea of what controls the rates you pay, this allows you to make good choices that can help you get big savings.

The items below are some of the things used by insurance companies to determine prices.

  • Decrease insurance rates by maintaining coverage – Driving any period of time without insurance can get your license suspended and any future policy may cost more because you let your insurance lapse. And not only will insurance be more expensive, not being able to provide proof of insurance can result in a revoked license or a big fine. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Amount of liability insurance – The liability section of your policy will provide protection when you are found to be at fault for damages caused by your negligence. Your liability coverage provides legal defense which can cost a lot. Liability is cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
  • Does your job raise your rates? – Did you know your job can affect your rates? Jobs like military generals, architects and miners generally pay higher premium rates because of intense work situations and lengthy work days. On the other hand, occupations like farmers, historians and homemakers have the lowest average rates on Passat insurance.
  • Don’t abuse insurance claims – If you tend to file frequent claims, you can look forward to much higher rates or policy non-renewal. Companies award most affordable rates to insureds who file claims infrequently. Your car insurance is designed for claims that you cannot pay yourself.
  • Combine policies and save money – Many insurance companies apply discounts to customers that have more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare other insurance prices to help guarantee you have the best rates.

Get cheap car insurance rates with discounts

Auto insurance companies don’t always advertise all available discounts very clearly, so the below list has some of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy insurance online.

  • ABS Brakes – Cars, trucks, and SUVs equipped with ABS or steering control can stop better under adverse conditions and earn discounts up to 10%.
  • Save with a New Car – Insuring a new car can save up to 30% because new model year vehicles are generally safer.
  • Multi-policy Discount – When you combine your homeowners and auto insurance with one company you may earn over 10 percent off each policy depending on the company.
  • Government Employee Discount – Simply working for the federal government can save as much as 8% on Passat insurance with some car insurance companies.
  • No Accidents – Drivers who don’t have accidents pay much less in comparison with policyholders that have many claims.
  • Own a Home – Owning your own home or condo may trigger a policy discount on car insurance since home ownership is proof that your finances are in order.

Discounts lower rates, but some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, car insurance companies aren’t that generous.

A list of car insurance companies and some of the premium reductions they offer are included below.

  • American Family may have discounts that include multi-vehicle, good driver, defensive driver, bundled insurance, TimeAway discount, and good student.
  • State Farm may include discounts for Steer Clear safe driver discount, student away at school, defensive driving training, passive restraint, and accident-free.
  • 21st Century offers discounts for driver training, automatic seat belts, 55 and older, homeowners, theft prevention, good student, and defensive driver.
  • Travelers discounts include good student, IntelliDrive, early quote, hybrid/electric vehicle, new car, and home ownership.
  • GEICO offers premium reductions for anti-lock brakes, anti-theft, good student, membership and employees, multi-policy, and military active duty.

When quoting, ask all companies you are considering which discounts you may be entitled to. A few discounts may not be available in every state. To find car insurance companies that offer multiple discounts, click this link.

Tailor your insurance coverage to you

When buying the best insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For example, these questions can help discover whether you might need an agent’s assistance.

  • When should I drop full coverage on my 2004 Volkswagen Passat?
  • Do I need PIP (personal injury protection) coverage in my state?
  • When does my teenage driver need to be added to my policy?
  • Do I have coverage when making deliveries for my home business?
  • What can I do if my company denied a claim?
  • Do I need replacement cost coverage?
  • Does my 2004 Volkswagen Passat need full coverage?
  • Do I need added coverage for expensive stereo equipment?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance specifics

Having a good grasp of your policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. These are typical coverages offered by auto insurance companies.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like surgery, EMT expenses, funeral costs, dental work and nursing services. 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 all vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as rolling your car, sustaining damage from a pot hole, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Liability insurance

This coverage protects you from damage or injury you incur to a person or their property. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as medical services, attorney fees, pain and suffering and court costs. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like vandalism, falling objects, damage from a tornado or hurricane, a tree branch falling on your vehicle and theft. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

More comparisons equals lower rates

The cheapest 2004 Volkswagen Passat insurance can be purchased online and also from your neighborhood agents, so you need to quote insurance with both in order to have the best price selection to choose from. Some car insurance companies may not offer online price quotes and these smaller companies sell through independent insurance agencies.

While you’re price shopping online, you should never buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped physical damage coverage to discover at claim time that they should have had better coverage. Your objective should be to purchase a proper amount of coverage at the best possible price while still protecting your assets.

We just showed you many ways to save on 2004 Volkswagen Passat insurance. It’s most important to understand that the more you quote insurance, the better likelihood of getting cheap insurance. Consumers may even find the lowest priced car insurance comes from a small local company. These companies may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.

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