Lower Your 1999 Volkswagen Passat Insurance Rates

Trying to find better insurance rates for your Volkswagen Passat? Paying for high-priced Volkswagen Passat insurance can overdraw your savings account and force you to prioritize other expenses. Comparing price quotes is a great way to help make ends meet. You have multiple insurers to buy insurance from, and though it is a good thing to have a selection, so many choices can make it hard to adequately compare rates.

How to Compare Insurance Coverage Costs

Getting a cheaper price on 1999 Volkswagen Passat insurance isn’t really that difficult. Drivers just need to spend a few minutes to compare rate quotes online from several insurance companies. This can be done using a couple different methods.

One of the simplest ways to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating separate quote forms for every insurance coverage company. Just one form will get you rate comparisons from multiple low-cost companies.

Another way to get quotes online requires a trip to each company website and fill out their own quote form. For sake of this example, we’ll assume you want to compare rates from State Farm, Farmers and Allstate. You would have to visit each site and enter your policy data, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

The least recommended method of comparing rate quotes is to drive around to insurance agents’ offices. The ability to buy insurance online has reduced the need for local agents unless you have a need for the professional guidance only provided by licensed agents. You can, however, get prices online but still have the advice of a local agent.

It’s up to you how you get prices quotes, just make darn sure you compare the exact same information on every quote. If each company quotes different values for each quote it will be very difficult to determine the best price for your Volkswagen Passat.

Cut prices on Volkswagen Passat insurance

Insurance can cost an arm and a leg, buy you may qualify for discounts that can drop the cost substantially. Most are applied at quote time, but a few need to be manually applied before you get the savings. If you don’t get every credit possible, you’re paying more than you need to.

  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class in school.
  • Multiple Cars – Insuring all your vehicles with the same company can get a discount on all vehicles.
  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount for Passat insurance with a few insurance companies.

Drivers should understand that most discounts do not apply the the whole policy. Most only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like you could get a free insurance policy, companies don’t profit that way. But all discounts will help reduce the amount you have to pay.

Insurance companies who might offer these benefits include:

Before buying, ask all companies you are considering which discounts you may be entitled to. Savings may not be available in your area.

What determines your Volkswagen Passat insurance premium

Consumers need to have an understanding of the different types of things that help determine the price you pay for car insurance. Understanding what impacts premium levels helps enable you to make changes that may reward you with lower car insurance prices.

The following are a few of the “ingredients” that factor into rates.

  • High numbers of claims are not good – Auto insurance companies give discounts to drivers who are claim-free. If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Your insurance policy is designed for major claims that would cause financial hardship.
  • Don’t sacrifice liability coverage – Liability coverage provides coverage if you are found liable for personal injury or accident damage. It will provide legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Do you need those extra coverages? – There are a ton of add-on coverages you can purchase if you aren’t careful. Insurance for rental car reimbursement, better glass coverage and membership fees may be wasting your money. These coverages may sound good when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Lower miles equals lower premium – Driving more miles in a year’s time the higher your rate. Most insurance companies price each vehicle’s coverage determined by how the vehicle is used. Autos used primarily for pleasure use receive lower rates than those used for commuting. Double check that your car insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money. If your policy improperly rates your Passat may be wasting your money.
  • Allowing your policy to lapse raises rates – Allowing your coverage to lapse will be a quick way to pay more for car insurance. And not only will your rates increase, but not being able to provide proof of insurance will get you a steep fine or even jail time.
  • Your occupation can affect rates – Did you know your car insurance rates can be affected by your occupation? Occupations such as doctors, architects and stock brokers tend to pay the highest rates due to high stress levels and lengthy work days. On the other hand, jobs such as actors, students and performers have the lowest average rates for Passat insurance.
  • More people means more accidents – Being located in less populated areas has it’s advantages when buying car insurance. City drivers regularly have congested traffic and longer commutes to work. Fewer drivers means reduced accidents.
  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores tend to have better insurance rates. Safer cars have better occupant injury protection and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If your Volkswagen Passat has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there really is no single plan that fits everyone. Each situation is unique so your insurance should reflect that For example, these questions may help highlight if your situation might need an agent’s assistance.

  • What is no-fault insurance?
  • Is upholstery damage covered by car insurance?
  • What is covered by UM/UIM coverage?
  • What is the difference between comprehensive and collision coverage?
  • Am I missing any policy discounts?
  • How do I file an SR-22 for a DUI in my state?
  • Do I need rental car coverage?
  • What if I owe more than I can insure my car for?
  • When should I remove comp and collision on my 1999 Volkswagen Passat?

If you can’t answer these questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Car insurance policy coverages for a Volkswagen Passat

Learning about specific coverages of a car insurance policy aids in choosing appropriate coverage for your vehicles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average car insurance policy.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Volkswagen Passat.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

Comprehensive coverages

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, damage from flooding, theft, fire damage and hail damage. The maximum amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage protection

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

Collision coverage protects against things like scraping a guard rail, driving through your garage door, sustaining damage from a pot hole, rolling your car and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for liability

This protects you from injuries or damage you cause to a person or their property in an accident. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as attorney fees, funeral expenses, bail bonds, loss of income and court costs. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like doctor visits, pain medications, funeral costs and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

More quotes. Lower rates.

When you buy insurance online, you should never reduce coverage to reduce premium. There have been many cases where consumers will sacrifice full coverage only to find out that they should have had better coverage. The aim is to find the BEST coverage for the lowest price, not the least amount of coverage.

We just covered many ways to lower your 1999 Volkswagen Passat insurance rates. The most important thing to understand is the more quotes you get, the better likelihood of reducing your rate. You may even discover the best prices are with the smaller companies. Smaller companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate or State Farm.

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