1999 Volkswagen Passat Insurance Cost – 5 Discounts for Best Prices

Want better insurance rates for your Volkswagen Passat? Expensive insurance can empty your checking account and put the squeeze on your family’s finances. Comparison shopping is a smart way to cut your insurance bill.

Many car insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurance company to get the best rates possible.

It’s a good idea to take a look at other company’s rates before your policy renews because rates are rarely the same from one policy term to another. Even if you got the lowest rates for Passat insurance on your last policy you may be paying too much now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the fastest and easiest way to find great coverage at a great price.

Comprehensive Insurance Comparison

All the larger insurance companies like State Farm, Allstate and GEICO provide coverage prices online. Getting online quotes is fairly simple as you simply type in the amount of coverage you want into a form. When the form is submitted, their system orders information on your driving record and credit history and gives you a price quote. This makes comparing rates easy, but having to visit different websites and fill out multiple forms gets old quite quickly. But it is imperative to have as many quotes as possible in order to find better insurance pricing.

There is a better way to compare rates

The quickest way to find cheaper rates makes use of a single form that obtains quotes from a bunch of companies at once. It saves time, eliminates repetitive work, and makes rate comparisons much simpler. As soon as you send your information, it is rated and you can choose any or none of the quotes that you receive. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. It takes just a few minutes to complete and could lower your rates considerably.

In order to compare rates now, simply click here to open in new window and fill out the form. To compare your current rates, we recommend you copy the insurance coverages as close as possible to your current policy. Doing this assures you’re receiving rate comparison quotes for exact coverage.

Discounts are available to cut your rates

Companies offering auto insurance do not advertise every discount in an easy-to-find place, so we took the time to find both well-publicized and the more hidden savings tricks you should be using.

  • Paperless Signup – Some insurance companies give back up to $50 for buying a policy and signing up online.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount for Passat insurance depending on your company.
  • Good Student – Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Homeowners Pay Less – Simply owning a home may trigger a insurance coverage policy discount because maintaining a house is proof that your finances are in order.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident without raising rates if your claims history is clear prior to the accident.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Most only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you could get a free insurance coverage policy, you won’t be that lucky.

For a list of companies with the best insurance coverage discounts, click here to view.

Everyone needs different coverages

When buying coverage for your vehicles, there is no one size fits all plan. Every insured’s situation is different so this has to be addressed. These are some specific questions might point out if your situation would benefit from professional advice.

  • When should I not file a claim?
  • Does medical payments coverage apply to all occupants?
  • Does coverage extend to my business vehicle?
  • Do I have newly-aquired coverage?
  • Am I covered when pulling a rental trailer?
  • When can my company non-renew my policy?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Auto insurance 101

Knowing the specifics of your car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Car insurance terms can be confusing and coverage can change by endorsement. Shown next are typical coverages found on the average car insurance policy.

Liability insurance – This can cover damage that occurs to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like court costs, funeral expenses, loss of income, emergency aid and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive protection – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as rock chips in glass, damage from flooding, fire damage, vandalism and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for funeral costs, X-ray expenses, prosthetic devices and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured or underinsured coverage – This gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 1999 Volkswagen Passat.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverages – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sideswiping another vehicle, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Save your hard earned cash

We covered a lot of information how to save on 1999 Volkswagen Passat insurance. The key concept to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the lowest priced insurance coverage comes from some of the lesser-known companies. Some small companies may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.

Cheaper insurance can be sourced on the web and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

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