Compare 1993 Volkswagen Passat Car Insurance Quotes

Searching for better insurance rates for your Volkswagen Passat? Shopping for the lowest cost insurance over the internet is somewhat difficult for beginners to online price comaprisons. With such a large number of online companies, how can drivers even start to compare them all to find the best price?

This article will let you in on the best way to quote coverages and some tips to save money. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these techniques. But car owners need to have an understanding of the way companies determine prices because it can help you find the best coverage.

Free Insurance Coverage Quotes

The are a couple different ways of comparing price quotes from insurance coverage companies in your area. The best method to find competitive 1993 Volkswagen Passat insurance rates involves getting comparison quotes online. This can be accomplished in just a few minutes using one of these methods.

  1. One of the simplest ways to get quotes would be an industry-wide quote request form like this one (opens in new window). This easy form prevents you from having to do multiple quote forms for every insurance coverage company. Filling out one form gets you coverage quotes direct from many companies. Recommended for those who want to invest the least amount of time.
  2. Another way to obtain and compare quotes online is to take the time to go to each individual company website and complete a new quote form. For example, we’ll pretend you want to compare rates from USAA, State Farm and Farmers. You would have to take the time to go to each site and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

Whichever way you use, be sure to compare identical coverages and limits for every company. If your comparisons have mixed coverages it will be impossible to determine the lowest rate for your Volkswagen Passat. Slightly different coverages can mean a large discrepancy in price. It’s important to know that getting more free quotes will improve the odds of getting a better price.

Lots of discounts mean lots of savings

Insuring your fleet can be pricey, but you may find discounts that you may not know about. Most are applied when you complete an application, but some may not be applied and must be asked for before you get the savings.

  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Homeowners Pay Less – Owning a home may trigger a insurance coverage policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Payment Method – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • New Car Discount – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • No Accidents – Good drivers with no accidents can save substantially when compared to drivers who are more careless.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.

It’s important to note that many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, insurance coverage companies aren’t that generous. But all discounts will reduce your overall premium however.

For a list of insurers with discount insurance coverage rates, follow this link.

Situations that might require an agent

When buying adequate coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover whether your personal situation might need professional guidance.

  • What are the best liability limits?
  • Do I need motorclub coverage?
  • Is my custom paint covered by insurance?
  • Do I need replacement cost coverage on my 1993 Volkswagen Passat?
  • Do I have coverage when making deliveries for my home business?
  • How does medical payments coverage work?
  • Where can I get insurance after a DUI in my state?
  • What is covered by UM/UIM coverage?
  • What if I total my 1993 Volkswagen Passat and owe more than it’s worth?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Auto insurance 101

Learning about specific coverages of a car insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like funeral costs, prosthetic devices, X-ray expenses and chiropractic care. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Liability coverages

Liability insurance will cover damage that occurs to other people or property that is your fault. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like medical expenses, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as rock chips in glass, a tree branch falling on your vehicle, hail damage, vandalism and hitting a deer. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a parking meter, crashing into a ditch, crashing into a building, hitting a mailbox and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Volkswagen Passat.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Saving money is sweet as honey

Consumers who switch companies do it for any number of reasons including questionable increases in premium, high prices, lack of trust in their agent and extreme rates for teen drivers. It doesn’t matter why you want to switch finding a new insurance coverage company can be less work than you think.

Cost effective 1993 Volkswagen Passat insurance can be sourced both online and with local insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.

When shopping online for insurance coverage, never buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. The aim is to find the BEST coverage at an affordable rate while not skimping on critical coverages.

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