Lower Your 1991 Volkswagen Passat Insurance Rates

Trying to find lower insurance rates for your Volkswagen Passat? Searching for low-cost insurance for your Volkswagen Passat can be an all-consuming task, but you can learn our insurance buying tips to save time.

There are both good and bad ways to compare insurance rates so we’re going to tell you the proper way to compare rates for your Volkswagen and find the lowest price either online or from local insurance agents.

It’s a good habit to take a look at other company’s rates once or twice a year because prices fluctuate regularly. Even if you think you had the best price on Passat coverage two years ago other companies may now be cheaper. Starting right now, forget anything you know (or think you know) about insurance because I’m going to teach you the fastest way to save on insurance.

Discounts are available to cut your rates

Insurance can be prohibitively expensive, but there are discounts available that many people don’t even know exist. Most are applied when you get a quote, but some may not be applied and must be manually applied in order for you to get them. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Senior Discount – Older drivers can possibly qualify for a small decrease in premiums on Passat coverage.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Safety Course Discount – Taking a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Seat Belt Usage – Requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Multiple Policy Discount – When you have multiple policies with the same company you may earn at least 10% off all policies.
  • Early Switch Discount – Select companies give a discount for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Volkswagen can earn a substantially lower rate.

A little note about advertised discounts, some credits don’t apply the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will bring down your overall premium however.

To see a list of insurance companies offering insurance discounts, click this link.

The quickest way to compare rates is to know all the major auto insurance companies will pay a fee to give you rate quotes. The only thing you need to do is provide the companies a bit of rating information such as your education level, marital status, your occupation, and the year, make and model of vehicles. That rating information is automatically sent to multiple insurance providers and you will get price comparisons with very little delay.

Everyone needs different coverages

When buying proper insurance coverage, there is no single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that can aid in determining if your situation may require specific advice.

  • Can I rent a car in Mexico?
  • How do I file an SR-22 for a DUI in my state?
  • At what point should I drop full coverage?
  • Is my teen driver covered when they drive my company car?
  • Does my car insurance cover rental cars?
  • Do I need replacement cost coverage?
  • Am I missing any policy discounts?
  • Do I pay less if my vehicle is kept in my garage?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

Auto insurance coverages

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Collision coverages – This will pay to fix damage to your Passat resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a ditch, backing into a parked car, crashing into a building, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability insurance – This can cover damage that occurs to other’s property or people in an accident. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like repair bills for other people’s vehicles, emergency aid, repair costs for stationary objects and medical services. How much coverage you buy is up to you, but buy as much as you can afford.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for bills like chiropractic care, nursing services and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive coverages – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like rock chips in glass, hitting a bird, hail damage and damage from a tornado or hurricane. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage – This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Volkswagen Passat.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Be a Smart Shopper

Drivers change insurance companies for many reasons like delays in responding to claim requests, questionable increases in premium, high prices and not issuing a premium refund. It doesn’t matter what your reason, finding a new car insurance company can be pretty painless.

We just showed you some good ideas how you can compare 1991 Volkswagen Passat insurance prices online. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. Consumers could even find that the best prices are with the least-expected company.

Cost effective insurance is available from both online companies and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some car insurance companies may not provide online quoting and most of the time these small, regional companies sell through independent agents.

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