Compare 1991 Volkswagen Passat Insurance Rates

Trying to find lower car insurance rates? Buyers have options when searching for the lowest priced Volkswagen Passat insurance. You can either waste hours calling around to get rate comparisons or leverage the internet to find the lowest rates. There are both good and bad ways to shop for car insurance so we’re going to tell you the proper way to compare rates for your Volkswagen and get the cheapest rates either online or from local insurance agents.

Smart consumers take time to compare rates at least once a year because prices tend to go up over time. Even if you think you had the lowest rates for Passat insurance on your last policy you can probably find a better price now. So just ignore everything you know about car insurance because it’s time to teach you the things you must know in order to save money, get proper coverage and the best rates.

If you have insurance now or are looking for a new policy, you can follow these tips to find the best rates and possibly find even better coverage. This information will help you learn how to get online quotes and some tricks to saving. Consumers just need to learn the proper methods to find the lowest price over the internet.

Low Cost Insurance Coverage

There are several ways you can shop for Volkswagen Passat insurance coverage and some are easier and takes less work. You can waste hours discussing policy coverages with agents in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Most of the larger companies are enrolled in a marketplace where insurance shoppers only type in their quote data once, and each company returns a rated price based on that information. This system prevents you from having to do repetitive form submissions for every insurance coverage company. To access this free quoting program, click here to start a free quote.

The single downside to comparing rates this way is you don’t know exactly which companies to get pricing from. If you would rather choose from a list of companies to receive pricing from, we put together a list of companies who write insurance coverage in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but compare the exact same coverage limits for each price quote. If you have different deductibles it will be very difficult to determine the lowest rate for your Volkswagen Passat.

Save with discounts on 1991 Volkswagen Passat insurance

Companies that sell car insurance don’t always advertise every available discount very clearly, so we researched both the well known and the more hidden discounts you could be receiving. If you’re not getting every credit possible, you’re paying more than you need to.

  • Distant Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Accident Forgiveness – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same auto insurance policy could earn a price break for each car.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% for Passat insurance with select insurance companies.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt can save 10% or more off the personal injury premium cost.

Keep in mind that many deductions do not apply the the whole policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think adding up those discounts means a free policy, auto insurance companies aren’t that generous.

A partial list of companies that may have these benefits may include but are not limited to:

Double check with each insurance company which discounts you may be entitled to. Some discounts may not be available in your area.

Tailor your coverage to you

When it comes to buying adequate coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions can aid in determining if your insurance needs may require specific advice.

  • Is a fancy paint job covered?
  • When can my company non-renew my policy?
  • Am I covered when driving on a suspended license?
  • Do I need an umbrella policy?
  • What happens if I owe more than my 1991 Volkswagen Passat is worth?
  • Do I have newly-aquired coverage?
  • Should I rate my 1991 Volkswagen Passat as pleasure use or commute?
  • Is other people’s property covered if stolen from my vehicle?
  • Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

What insurance coverages do you need?

Knowing the specifics of your insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision – This covers damage to your Passat resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sustaining damage from a pot hole, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Volkswagen Passat.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, hitting a bird, a broken windshield and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability car insurance – Liability coverage will cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as repair bills for other people’s vehicles, medical expenses, bail bonds, funeral expenses and medical services. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as EMT expenses, hospital visits, rehabilitation expenses and prosthetic devices. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Keep this in mind

People change insurance companies for a number of reasons such as not issuing a premium refund, an unsatisfactory settlement offer, high rates after DUI convictions and extreme rates for teen drivers. No matter why you want to switch, finding a great new company is actually quite simple.

Low-cost 1991 Volkswagen Passat insurance can be sourced on the web in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

We covered a lot of tips how to lower your insurance rates. The most important thing to understand is the more you quote, the better chance you’ll have of finding lower rates. Drivers may discover the lowest priced insurance coverage comes from some of the lesser-known companies.

Much more information about insurance coverage is available at these links: