2004 Volkswagen Passat Insurance Rates – 8 Tricks for Best Quotes

Have you had enough of trying to scrape together enough money to pay your car insurance bill each month? You are in the same boat as many other drivers.

Since consumers have many choices of insurance companies, it’s difficult to find the best car insurance company.

Smart consumers take time to shop coverage around on a regular basis since insurance rates change frequently. Just because you found the best deal for Passat insurance a year ago you will most likely find a better rate today. Forget all the misinformation about car insurance because you’re about to find out one of the quickest ways to get good coverage at a lower rate.

Finding the best rates is quite easy. Just about every vehicle owner who buys auto insurance most likely will be able to find lower rates. Although drivers should learn the way companies price insurance differently and apply this information to your search.

The best way we recommend to compare rates is to take advantage of the fact most larger insurance companies participate in a system to compare rate quotes. All consumers are required to do is provide the companies a bit of rating information including an estimate of your credit level, how old drivers are, what you do for a living, and distance driven. That information gets sent immediately to all major companies and they provide comparison quotes with very little delay.

To check rates for your Volkswagen Passat , click here and complete the form.

Do insurance coverage companies bend the truth?

Insurance coverage providers like Allstate and Progressive continually stream television and radio advertisements. They all make an identical promise that you can save after switching to them. How do they all make almost identical claims? It’s all in the numbers.

Insurance companies can use profiling for the driver that is profitable for them. An example of a preferred risk could be a mature driver, insures multiple vehicles, and drives newer vehicles. Any new insured that hits that “sweet spot” gets the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who don’t qualify for these standards will have to pay more money which leads to business going elsewhere. The ads say “customers that switch” but not “drivers who get quotes” save that much money. This is how insurance companies can confidently advertise the way they do. Because of the profiling, it is so important to compare many company’s rates. It’s not possible to predict which insurance coverage company will give you the biggest savings on Volkswagen Passat insurance.

Lower rates by qualifying for these eight discounts

Companies that sell car insurance don’t list all their discounts in a way that’s easy to find, so we took the time to find both the well known and the harder-to-find discounts you could be receiving.

Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
Senior Discount – Mature drivers may qualify for a small decrease in premiums for Passat insurance.
Homeowners Discount – Owning a house can help you save on car insurance because of the fact that having a home demonstrates responsibility.
Resident Student – Kids in college living away from home attending college and do not have a car may be able to be covered for less.
Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
Safety Course Discount – Taking a course in driver safety could save 5% or more depending on where you live.

Consumers should know that most discount credits are not given to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, it just doesn’t work that way.

To see a list of insurers with discount car insurance rates, click this link.

Car insurance is unique, just like you

When choosing adequate coverage for your vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if you may require specific advice.

Can I afford to buy a different vehicle if my 2004 Volkswagen Passat is totaled?
Why does it cost so much to insure a teen driver?
Should I drop comprehensive coverage on older vehicles?
Is there coverage for injuries to my pets?
Are my friends covered when driving my 2004 Volkswagen Passat?
What is an SR-22 filing?
Am I covered if I wreck a rental car?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance 101

Understanding the coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are the normal coverages found on most insurance policies.

Auto collision coverage

Collision insurance covers damage to your Passat from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as crashing into a ditch, rolling your car and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Auto liability insurance

This coverage will cover injuries or damage you cause to a person or their property by causing an accident. 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. As an example, you may have values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as court costs, medical services, attorney fees, medical expenses and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills for doctor visits, EMT expenses and dental work. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2004 Volkswagen Passat.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like falling objects, a tree branch falling on your vehicle, hitting a bird, hitting a deer and rock chips in glass. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Smart consumers save more

As you prepare to switch companies, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, an insured cut full coverage and learned later they didn’t have enough coverage. The proper strategy is to get the best coverage possible at an affordable rate.

You just learned a lot of techniques to save on 2004 Volkswagen Passat insurance. It’s most important to understand that the more price quotes you have, the higher your chance of finding lower rates. You may even find the best prices are with an unexpected company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Progressive or Geico.