Cheap 2001 Volkswagen Passat Car Insurance Rates

Locating cheaper insurance for a Volkswagen Passat can turn out to be a lot of work, but you can learn these tips to make it easier.

There are both good and bad ways to shop for car insurance so you’re going to learn the quickest way to quote coverages for a Volkswagen and obtain the lowest possible price either online or from local insurance agents.

Buying affordable auto insurance is not that difficult. If you have a policy now or are looking for a new policy, you can use these tips to find the best rates while maximizing coverage. Vehicle owners only need an understanding of how to find the lowest price over the internet.

The most recommended method to compare rates is to take advantage of the fact all the major auto insurance companies pay for the opportunity to compare rate quotes. To get started, all you need to do is take a few minutes to give details like level of coverage desired, your occupation, if you’re married, and if it has an alarm system. That rating information is submitted instantly to many different companies and you will receive price estimates quickly.

Factors that might impact rates for a Volkswagen Passat

An important part of buying insurance is that you know the rating factors that come into play when calculating car insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that could result in much lower annual insurance costs.

  • Careful drivers pay lower rates – Only having one citation can bump up the cost by twenty percent. Drivers who don’t get tickets get better rates compared to drivers with tickets. Drivers with flagrant tickets like DUI or reckless driving are required to submit a SR-22 form with their state DMV in order to keep their license.
  • Never go without insurance – Driving your car without having proper coverage is against the law and your next policy will cost more because you let your coverage lapse. And not only will insurance be more expensive, but being ticketed for driving with no insurance might get you a hefty fine and possibly a revoked license.
  • Proper usage rating affects rates – The more miles you rack up on your Volkswagen every year the more you will pay for car insurance. Most insurance companies rate vehicles based on how the vehicle is used. Autos left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Improper usage on your Passat can result in significantly higher rates. Make sure your car insurance policy properly reflects how each vehicle is driven.
  • Little extras can really add up – There are quite a few extra bells and whistles that can waste your money when buying car insurance. Things like roadside assistance, accident forgiveness and motor club memberships may be costing you every month. They may seem good when talking to your agent, but if you don’t need them remove them from your policy.
  • Having a spouse can save you money – Having a wife or husband can get you a discount on your car insurance policy. Having a spouse means you’re more mature and responsible and it’s proven that drivers who are married are more cautious.
  • Older drivers save more – Mature drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Young drivers are known to be more careless in a vehicle and because of this, their car insurance rates are much higher.
  • Bundling policies can get discounts – Some insurers will award you with lower prices to insureds who have multiple policies with them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even with this discount, it’s in your best interest to compare rates to ensure the best deal. Drivers may still find better rates by splitting coverages up.
  • Where you reside plays a part – Being located in less populated areas has it’s advantages when it comes to car insurance. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. Drivers who live in large cities have to deal with congested traffic and much longer commute distances. More time on the road translates into higher accident risk.

Discounts are basically free money

Car insurance is not cheap, but you may find discounts to cut the cost considerably. Larger premium reductions will be automatically applied at the time you complete a quote, but some may not be applied and must be requested specifically prior to getting the savings. If you don’t get every credit possible, you are throwing money away.

  • Low Mileage Discounts – Driving fewer miles can earn better rates on cars that stay parked.
  • College Student – Children who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get better insurance rates for Passat insurance.
  • Passive Restraints – Vehicles equipped with air bags can qualify for discounts of 20% or more.
  • Multiple Policy Discount – If you have multiple policies with one company you may earn up to 20% off your total premium.
  • Discount for Swiching Early – A few companies offer discounts for signing up before your current policy expires. The savings is around 10%.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Claim Free – Good drivers with no accidents pay less as compared to accident-prone drivers.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.

Keep in mind that some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way. But any discount will cut the amount you have to pay.

A partial list of companies who might offer these money-saving discounts may include but are not limited to:

Check with each insurance company which discounts they offer. All car insurance discounts may not apply in your state.

Which insurance is the “right” coverage?

When it comes to buying coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different.

For example, these questions may help you determine if your insurance needs might need professional guidance.

  • When should I remove comp and collision on my 2001 Volkswagen Passat?
  • Is extra glass coverage worth it?
  • I don’t drive much so do I pay less?
  • How much liability insurance is required?
  • Which companies will insure high-risk drivers?
  • What is no-fault insurance?
  • Do I need PIP coverage since I have good health insurance?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Specific coverage details

Knowing the specifics of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Liability

This coverage provides protection from damages or injuries you inflict on other people or property that is your fault. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as medical services, attorney fees, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for collisions

This coverage will pay to fix damage to your Passat caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like rolling your car, colliding with another moving vehicle, scraping a guard rail and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as falling objects, vandalism, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as pain medications, surgery, EMT expenses and doctor visits. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers you and your occupants in addition to getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Quote often and quote early

Cheaper 2001 Volkswagen Passat insurance can be purchased from both online companies and also from your neighborhood agents, so you should compare both to have the best selection. Some companies may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

As you restructure your insurance plan, make sure you don’t skimp on coverage in order to save money. There have been many situations where someone sacrificed physical damage coverage and found out when filing a claim that it was a big mistake. The aim is to buy the best coverage you can find for the lowest price.

You just learned quite a bit of information on how to compare insurance prices online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may even find the biggest savings come from a small local company.

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