1995 Volkswagen Passat Insurance Quotes – 8 Savings Tips

Are you sick and tired of scraping the payment together to insure your Volkswagen every month? You’re in the same situation as the majority of other car owners. Drivers have so many car insurance companies to purchase coverage from, and although it’s nice to have a choice, it can be more challenging to locate the cheapest rates.

Pricing the best coverage can be fairly easy. If you have a current insurance policy or are just looking to switch companies, you can use these tips to shop for the lowest rates and still get good coverage. Drivers only need an understanding of the best way to shop online.

Best discounts on 1995 Volkswagen Passat coverage

Insurance can cost an arm and a leg, but there are discounts available to help bring down the price. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be asked for prior to getting the savings. If you’re not getting every credit possible, you’re paying more than you need to.

  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% on Passat insurance with select insurance companies.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Student Driver Training – Have your child successfully complete driver’s ed class if it’s offered in school.
  • Low Mileage – Keeping the miles down on your Volkswagen can earn better rates on cars that stay parked.
  • Paperless Signup – Some insurance companies will give a small break for buying your policy over the internet.
  • One Accident Forgiven – Some insurance companies allow you one accident before raising your premiums if your claims history is clear for a certain period of time.
  • Good Student – Getting good grades can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • College Student – Youth drivers living away from home attending college and do not have a car can receive lower rates.

It’s important to understand that many deductions do not apply the the whole policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will cut the amount you have to pay.

Companies who might offer some of the above discounts include:

Before buying, ask all companies you are considering how you can save money. Some discounts might not be offered in your state.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is no single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether you may require specific advice.

  • Do all my vehicles need collision coverage?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered by my spouse’s policy after a separation?
  • Where can I find DUI or SR-22 insurance?
  • Does my 1995 Volkswagen Passat need full coverage?
  • Do I benefit by insuring my home with the same company?
  • Will my insurance pay for OEM parts?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Coverage specifics

Learning about specific coverages of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on the average auto insurance policy.

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from flooding, hitting a deer, falling objects and hail damage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for bills for nursing services, dental work and surgery. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Coverage for liability

This coverage provides protection from damage that occurs to other’s property or people in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like structural damage, loss of income, funeral expenses, medical expenses and repair costs for stationary objects. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

Collision coverage pays for damage to your Passat resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with a tree, driving through your garage door, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 1995 Volkswagen Passat.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are set the same as your liablity limits.

Have the Midas touch

When you buy insurance online, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. The ultimate goal is to find the BEST coverage for the lowest price while not skimping on critical coverages.

We’ve covered many tips how you can save on 1995 Volkswagen Passat insurance. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. You may even find the lowest priced car insurance comes from some of the lesser-known companies. These smaller insurers can often provide lower rates in certain areas than their larger competitors like Allstate, Geico and Progressive.

Discount insurance can be found both online and with local insurance agents, so you should compare both to have the best chance of lowering rates. A few companies do not offer online quoting and these smaller companies work with independent agents.

Much more information about car insurance is available below: