Cheap 2002 Volkswagen Passat Insurance Rates

Trying to find the cheapest insurance rates for your Volkswagen Passat? Are you tired of not being able to afford to buy car insurance? You’re in the same situation as millions of other consumers. Big companies like State Farm, Allstate, Geico and Progressive continually hit you with fancy advertisements and it is challenging if not impossible to see through the cute green geckos and mayhem and do the work needed to find the best deal.

Consumers should take time to shop coverage around periodically since insurance rates fluctuate regularly. Just because you had the lowest price for Passat coverage a few years ago you can probably find a better price now. There is too much inaccurate information about insurance on the web, but I’m going to show you some solid techniques on how to find affordable insurance.

Fast and Easy Insurance Coverage Quotes

Effectively comparing insurance coverage prices can be a daunting task if you don’t utilize the easiest way. You can waste a lot of time driving to insurance agencies in your area, or you can stay home and use online quotes to get rates in a matter of minutes.

Most of the best insurance companies belong to a marketplace that enables customers to send in one quote, and at least one company can provide price quotes for coverage. This prevents consumers from doing form submissions for each company.

To use this form to compare 2002 Volkswagen Passat insurance rates click here to open in new window.

The only drawback to doing it this way is that you can’t choose the insurers to get pricing from. So if you prefer to pick from a list of companies to compare, we have a page of companies who write insurance coverage in your area. View list of insurance companies.

It’s up to you which method you use, but compare identical coverage limits and deductibles on every quote you get. If the quotes have differing limits you will not be able to determine the lowest rate for your Volkswagen Passat.

Different people need different coverages

When buying coverage for your vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions may help highlight if you may require specific advice.

  • Where can I find DUI or SR-22 insurance?
  • How can I force my company to pay a claim?
  • Does my insurance cover a custom paint job?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my babysitter covered when using my vehicle?
  • How much liability insurance is required?
  • Should I bundle my homeowners policy with my auto?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Car insurance coverages for a Volkswagen Passat

Understanding the coverages of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.

Liability auto insurance – Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as structural damage, medical services and court costs. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Comprehensive coverages – Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like vandalism, fire damage and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like sustaining damage from a pot hole, scraping a guard rail, backing into a parked car, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, 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.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like pain medications, doctor visits and hospital visits. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Volkswagen Passat.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.