1990 Volkswagen Passat Insurance Rates – 8 Tips for Cheapest Quotes

Trying to find lower auto insurance rates for your Volkswagen Passat? Have you fallen victim to high-priced auto insurance? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their auto insurance policy. Popular companies such as Allstate, Liberty Mutual and State Farm constantly bombard you with catchy ads and consumers find it hard to see past the corporate glitz and do the work needed to find the best deal.

Save money by taking advantage of these eight discounts

Properly insuring your vehicles can get expensive, but there could be available discounts to cut the cost considerably. Certain discounts will be applied when you quote, but some must be specifically requested before you will receive the discount. If you aren’t receiving every discount available, you are paying more than you should be.

  • Drive Safe and Save – Safe drivers may save up to 50% more for Passat insurance than drivers with accident claims.
  • Accident Forgiveness – A few companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Bundle and Save – When you have multiple policies with the same company you will save approximately 10% to 15%.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts compared to bad drivers.
  • Multi-car Discount – Having more than one vehicle with the same company may reduce the rate for each vehicle.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Senior Discount – Mature drivers may qualify for better auto insurance rates for Passat insurance.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. The majority will only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will reduce the cost of coverage.

To see a list of providers with discount auto insurance rates, click this link.

Don’t listen to company ads

Consumers get pounded daily by advertisements for the lowest price auto insurance by Geico, State Farm and Progressive. They all seem to make the same claim of big savings if you switch to their company.

How does each company make the same claim? This is how they do it.

Insurance companies have a preferred profile for the driver that is profitable for them. An example of a profitable customer could be over the age of 50, has no tickets, and drives less than 10,000 miles a year. A propective insured who fits that profile is entitled to the best price and therefore will save quite a bit of money when switching.

Consumers who don’t measure up to the “perfect” profile will be charged higher prices and this can result in the customer not buying. The ad wording is “drivers who switch” not “everybody who quotes” save that much money. That is how companies can truthfully claim big savings.

That is why it is so important to get as many comparisons as possible. It is impossible to predict which insurance coverage company will provide you with the cheapest Volkswagen Passat insurance rates.

When should I use an insurance agent?

When choosing the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions may help highlight whether you might need professional guidance.

  • Which companies will insure high-risk drivers?
  • How can I get high-risk coverage after a DUI?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How much can I save by bundling my policies?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Will I lose any money if I cancel my policy before it expires?
  • Are my tools covered if they get stolen from my vehicle?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage options for a 1990 Volkswagen Passat

Knowing the specifics of your policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages offered by auto insurance companies.

Collision coverage

Collision coverage will pay to fix damage to your Passat resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like damaging your car on a curb, hitting a mailbox, rolling your car, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

UM/UIM Coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like EMT expenses, surgery, doctor visits and pain medications. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

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

Comprehensive can pay for claims like damage from flooding, a broken windshield and vandalism. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance

This will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like attorney fees, funeral expenses, bail bonds and structural damage. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Make a quick buck

We just showed you many ideas to reduce 1990 Volkswagen Passat insurance prices online. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even find the best price on auto insurance is with the smaller companies. These companies may only write in your state and offer lower rates than their larger competitors like Allstate or State Farm.

Cheap insurance can be sourced online as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies don’t offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

To learn more, link through to these articles: